Alliance Data Systems (Bread Financial Holdings)

aid: alliance-data-systems
name: Alliance Data Systems (Bread Financial Holdings)
url: https://raw.githubusercontent.com/api-evangelist/alliance-data-systems/refs/heads/main/apis.yml
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
created: '2026-04-19'
modified: '2026-05-23'
specificationVersion: '0.19'
kind: company
description: >-
  Alliance Data Systems Corporation (ADS) was a Plano/Columbus-based financial
  and marketing services holding company built in 1996 from the merger of J.C.
  Penney's credit card processing unit and The Limited's World Financial Network
  National Bank, taken public on the NYSE in 2001. The company historically
  operated three segments — Card Services (private label and co-brand retail
  credit cards), Epsilon (data-driven marketing and CRM), and LoyaltyOne (the
  AIR MILES Reward Program in Canada and BrandLoyalty in the Netherlands). In
  July 2019 ADS sold Epsilon to Publicis Groupe for $4.4 billion. In December
  2020 ADS acquired Bread, a New York-based BNPL platform, for $450 million.
  In November 2021 ADS spun off LoyaltyOne as Loyalty Ventures Inc. (LTRN). On
  March 23, 2022 the remaining card-and-payments business rebranded as Bread
  Financial Holdings, Inc., with the common stock starting to trade on NYSE
  under the new ticker BFH on April 4, 2022. Today Bread Financial is a
  tech-forward financial services company headquartered in Columbus, Ohio
  (Wikipedia 2024 figures: $3.84B revenue, ~6,000 employees, $22.9B total
  assets, 135+ managed card programs across partners including Victoria's
  Secret, Wayfair, Williams-Sonoma, Academy Sports, HP, PlayStation, and the
  Crypto.com Visa Card). The developer surface lives under the Bread Pay BNPL
  brand at developer-facing properties docs.breadpayments.com (legacy
  "bread-classic" Merchant API) and platform-docs.breadpayments.com
  (next-generation "BreadPay Platform" APIs, OAuth 2.0 Client Credentials,
  hosted on https://api.platform.breadpayments.com/api), plus a JavaScript
  Bread SDK (preview + production CDN), iOS/Android mobile SDKs published as
  the Bread Financial Brand Partners SDKs on github.com/bppub, and platform
  integrations for Shopify, Magento 2, WooCommerce, BigCommerce, Salesforce
  Commerce Cloud, Miva, Volusion, and Turbify. The corporate/holding side
  (private-label and co-brand cards issued through Comenity Bank and Comenity
  Capital Bank, plus high-yield savings, CDs, IRAs, and personal loans) is
  delivered through B2B partner integrations rather than a public developer
  portal.
tags:
  - Financial Services
  - Fintech
  - Buy Now Pay Later
  - BNPL
  - Bread Pay
  - Private Label Credit
  - Co Brand Credit Cards
  - Loyalty Programs
  - Marketing
  - Data Driven Marketing
  - Payments
  - Lending
  - Savings
  - Personal Loans
  - Consumer Banking
  - Retail Finance
  - Fortune 500
  - NYSE BFH
  - Comenity Bank
  - Rebrand
apis:
  - name: Bread Pay Platform API
    description: >-
      Next-generation BreadPay Platform REST API for managing buyers, merchant
      accounts, payment options, transaction lifecycle (authorize, cancel,
      capture, refund), and payment-product servicing. Hosted at
      api.platform.breadpayments.com with a preview environment at
      api-preview.platform.breadpayments.com. Authentication is OAuth 2.0
      Client Credentials Flow with credentials issued from the Bread Merchant
      Portal.
    humanURL: https://platform-docs.breadpayments.com/bread-developers
    baseURL: https://api.platform.breadpayments.com/api
    tags:
      - Buy Now Pay Later
      - BNPL
      - Payments
      - Transactions
      - Buyers
      - Merchants
    properties:
      - type: Documentation
        url: https://platform-docs.breadpayments.com/bread-developers
      - type: Concepts
        url: https://platform-docs.breadpayments.com/bread-developers/docs
      - type: Authentication
        url: https://platform-docs.breadpayments.com/bread-developers/docs/api-access
      - type: APIReference
        url: https://platform-docs.breadpayments.com/bread-developers/reference
      - type: OpenAPI
        url: openapi/bread-pay-platform-openapi.yml
      - type: SandboxBaseURL
        url: https://api-preview.platform.breadpayments.com/api
      - type: ProductionBaseURL
        url: https://api.platform.breadpayments.com/api
      - type: Capability
        url: capabilities/bread-pay-platform-transactions.yaml
      - type: Capability
        url: capabilities/bread-pay-platform-buyers.yaml
  - name: Bread Classic Merchant API
    description: >-
      Legacy "bread-classic" REST API for managing Bread checkout transactions,
      carts, shipping (carrier + tracking) and capture/refund/cancel actions
      from the original Bread BNPL product, still documented at
      docs.breadpayments.com for merchants on the prior integration. The
      Merchant API helps manage completed transactions and carts, which can
      also be created directly in the browser via the Bread JavaScript SDK.
    humanURL: https://docs.breadpayments.com/bread-classic/reference/getting-started-with-your-api
    baseURL: https://api.breadpayments.com
    tags:
      - Buy Now Pay Later
      - BNPL
      - Merchant
      - Transactions
      - Carts
      - Shipping
      - Legacy
    properties:
      - type: Documentation
        url: https://docs.breadpayments.com/bread-classic/reference
      - type: GettingStarted
        url: https://docs.breadpayments.com/bread-classic/reference/getting-started-with-your-api
      - type: Checkout
        url: https://docs.breadpayments.com/bread-classic/docs/bread-checkout
      - type: Testing
        url: https://docs.breadpayments.com/bread-classic/docs/testing-bread
      - type: ManagingTransactions
        url: https://docs.breadpayments.com/bread-classic/docs/managing-bread-transactions
      - type: OpenAPI
        url: openapi/bread-classic-merchant-openapi.yml
      - type: Capability
        url: capabilities/bread-classic-transactions.yaml
  - name: Bread JavaScript SDK
    description: >-
      Browser-side JavaScript SDK that exposes the BreadPayments object for
      rendering the Bread modal, embedded placements, prequalification, and
      cart/checkout flows on merchant sites. Loaded from Bread CDNs in preview
      and production environments and initialized with a merchant
      integrationKey plus buyer object.
    humanURL: https://platform-docs.breadpayments.com/bread-onboarding/docs/bread-sdk-installation
    baseURL: https://connect.breadpayments.com
    tags:
      - SDK
      - JavaScript
      - Web
      - Checkout
      - Placements
      - Prequalification
    properties:
      - type: Documentation
        url: https://platform-docs.breadpayments.com/bread-onboarding/docs/bread-sdk-installation
      - type: PreviewCDN
        url: https://connect-preview.breadpayments.com/sdk.js
      - type: ProductionCDN
        url: https://connect.breadpayments.com/sdk.js
      - type: UnifiedSDKOverview
        url: https://platform-docs.breadpayments.com/bread-onboarding/docs/unified-sdk-overview
  - name: Bread Financial Brand Partners iOS SDK
    description: >-
      Official Bread Financial mobile SDK for iOS published as
      breadfinancial-brand-partners-ios on the bppub GitHub organization.
      Provides batch prescreen, unified prequalification, placement rendering,
      application callbacks, and customer status events for native iOS apps.
    humanURL: https://github.com/bppub/breadfinancial-brand-partners-ios
    baseURL: https://github.com/bppub
    tags:
      - SDK
      - Mobile
      - iOS
      - Swift
      - Prequalification
      - Placements
    properties:
      - type: Repository
        url: https://github.com/bppub/breadfinancial-brand-partners-ios
      - type: AlternateSwiftRepo
        url: https://github.com/bppub/breadfinancial-brand-partners-ios-swift
      - type: Documentation
        url: https://platform-docs.breadpayments.com/bread-onboarding
  - name: Bread Financial Brand Partners Android SDK
    description: >-
      Official Bread Financial mobile SDK for Android (Kotlin) published as
      breadfinancial-brand-partners-android on the bppub GitHub organization.
      Provides batch prescreen, unified prequalification, placement rendering,
      application callbacks, and customer status events for native Android
      apps.
    humanURL: https://github.com/bppub/breadfinancial-brand-partners-android
    baseURL: https://github.com/bppub
    tags:
      - SDK
      - Mobile
      - Android
      - Kotlin
      - Prequalification
      - Placements
    properties:
      - type: Repository
        url: https://github.com/bppub/breadfinancial-brand-partners-android
      - type: Documentation
        url: https://platform-docs.breadpayments.com/bread-onboarding
  - name: Bread Webhooks
    description: >-
      Outbound webhook system for the BreadPay Platform that notifies merchant
      systems of transaction lifecycle events. Documented under the BreadPay
      developer site with setup, concepts, validation, and client
      implementation guides.
    humanURL: https://platform-docs.breadpayments.com/bread-developers/docs
    baseURL: https://platform-docs.breadpayments.com/bread-developers/docs
    tags:
      - Webhooks
      - Events
      - Transactions
      - Eventing
    properties:
      - type: Documentation
        url: https://platform-docs.breadpayments.com/bread-developers/docs
common:
  - type: Website
    url: https://www.breadfinancial.com
  - type: FormerWebsite
    url: https://www.alliancedata.com
  - type: BNPLWebsite
    url: https://www.breadpayments.com
  - type: BusinessSolutions
    url: https://www.breadfinancial.com/en/business-solutions.html
  - type: BuyNowPayLater
    url: https://www.breadfinancial.com/en/business-solutions/buy-now-pay-later.html
  - type: Newsroom
    url: https://newsroom.breadfinancial.com
  - type: InvestorRelations
    url: https://investor.breadfinancial.com
  - type: SECRebrandFiling
    url: https://www.sec.gov/Archives/edgar/data/0001101215/000110121522000058/form_8-k.htm
  - type: WikipediaPage
    url: https://en.wikipedia.org/wiki/Bread_Financial
  - type: DeveloperPortal
    url: https://platform-docs.breadpayments.com/bread-developers
  - type: ClassicDeveloperPortal
    url: https://docs.breadpayments.com/bread-classic/reference
  - type: OnboardingDocs
    url: https://platform-docs.breadpayments.com/bread-onboarding
  - type: GitHubOrganization
    url: https://github.com/bppub
  - type: IntegrationsGitHubOrganization
    url: https://github.com/breadfinance
  - type: LegacyGitHubOrganization
    url: https://github.com/getbread
  - type: APITracker
    url: https://apitracker.io/a/breadpayments
  - type: LinkedIn
    url: https://www.linkedin.com/company/bread-financial
  - type: Plans
    url: plans/alliance-data-systems-plans-pricing.yml
  - type: RateLimits
    url: rate-limits/alliance-data-systems-rate-limits.yml
  - type: FinOps
    url: finops/alliance-data-systems-finops.yml
  - type: Vocabulary
    url: vocabulary/alliance-data-systems-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/alliance-data-systems-context.jsonld
maintainers:
  - FN: Kin Lane
    email: [email protected]