Pay Over Time

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Bread Pay® is an intuitive, omni-channel Pay Over Time lending platform from a financial partner you can count on.

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The Bread Pay difference

32%
increase in overall volume1
33%
Increase in tender share2
60%
Increase in average month-over-month financing volume3

Easy for business

robust data analytics
customizable digital suite
dedicated success team for every account 

Easy for shoppers

fast decisioning with a simple application
quick & easy automatic payment enrollment
flexible financing options

Our Pay Over Time Suite

Online or in-store, our solutions meet you where you are.

Installments

A painless financing experience that allows your customers to get a decision in just a few seconds

Why Bread Financial:

  • A true gray-label payment solution that keeps your brand front and center
  • Deeper in-house underwriting powered by the expertise of a bank

Bread Pay® SplitPay

A fast and effective way to gain a competitive edge by targeting consumers who want short-term financing

Why Bread Financial:

  • We launch your project in six weeks or less.
  • Your customer makes four equal, interest-free payments over six weeks. You get paid upfront. We take on the risk.

Customize your strategy

Offer your customers the payment options they need by combining Pay Over Time solutions or adding a credit card product that works for your business.

Seamless integration

We work with all leading e-commerce platforms to make integration fast and painless.
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Ah, the thrill of success!

We're excited about working with you. An expert will be reaching out within one business day

Success stories

Noémie

Innovated for increased AOV and monthly checkout volume.

Create Room

Developed a seamless, full-funnel experience to drive more sales.

Newton Baby

Met customer demand and more than doubled sales.
Go to all success stories

1 Source of 32% increase in overall volume is a single-merchant case study: *Cumulative data from this A/B testing analysis is based on the merchant’s loan activity dated March 19-31, 2024. Results may vary by merchant and not all merchants will achieve these results.

 

2 Source of 33% increase in tender share is a single-merchant case study: **Cumulative data from this case study is based on the merchant’s loan activity dated October 2023 through May 2024. Results may vary by merchant and not all merchants will achieve these results.

 

3 Source of 60% increase in average month-over-month financing volume is a single-merchant case study: Cumulative data from this case study is based on the merchant’s loan activity dated May 2021 - April 2022. Results may vary by merchant and not all merchants will achieve these results.

 

Bread Pay® loans are made by Comenity Capital Bank, a Bread Financial® company.