Different businesses need different solutions. 

We cover them all.

From Buy Now, Pay Later options to private label and co-branded credit cards, we have more than 30 years of experience helping national brands and startups.

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Trusted by these partners and more

Because we deliver

  • $33B in annual sales1
  • 33M open unique customers2
  • 1.5-3X increase in shopping trips2

This is why we have

  • 94% partner renewal rate2
  • 48M active accounts2
  • 1 in 8 U.S. adults with open accounts2

A full suite of payment solutions

Our white-label financing and credit card products can be implemented individually or mixed and matched according to your business needs.


Buy Now, Pay Later

Experience fully customizable options and fast implementation.


An intuitive platform that allows flexible payments online or in-store

Bread Pay™ SplitPay

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


Branded Credit Cards

Find out why 1 in 6 women in the U.S. already has one of our credit cards.2

Private label

Financing, rewards and exclusive offers that increase sales and loyalty


All the benefits of our private label program paired with the flexibility of a traditional credit card

Looking for a customized strategy?

Innovative Ideas and Industry Insights

We make it happen by envisioning and developing proprietary products and solutions.