Users
73KAt participating US merchants, Bread Pay offers purchase financing through a digital checkout application. Approved shoppers repay over an agreed schedule, with interest, duration and purchase requirements set by the offer; the service links retail acceptance to a financing agreement.
Use cases:
Channels:
Initiation:
Markets
1TPV
$53MTransactions
76KEstimated Monthly Usage, Aurato Research, October 2026
Capabilities
Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities
Markets
Estimated Monthly Usage, Aurato Research, October 2026
PSPs
No PSP implementations have been mapped for this method yet.
Schemes
Compliance
Regulator
Federal Reserve Board of Governors



