Bread Financial offers two primary paths for retail and e-commerce partners — embedded BNPL financing or a fully co-branded credit card program.
Customers who see flexible payment options at checkout are significantly more likely to complete a purchase — especially on higher-ticket items.
Installment financing enables customers to buy more than they could with a single upfront payment — lifting average basket size measurably.
Co-branded cardholders shop at partner stores 2–3x more frequently than non-cardholders, creating a high-value recurring customer base.
Bread Financial takes on all credit risk and consumer collections. Merchants receive full payment upfront — no chargebacks from installment plans.
Bread handles origination, underwriting, account management, customer service, and compliance — freeing your team to focus on your core business.
Partner merchants gain access to purchase behavior analytics and cardholder insights that can inform marketing, inventory, and product decisions.
Bread Financial works directly with retail brands and e-commerce merchants to build customized financing programs. Contact their partnerships team directly at breadfinancial.com.
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