Are you a Consumer? Click here for Consumer frequently asked questions.
When your customers use the Bread® product, they are taking out a loan from Cross River Bank, a New Jersey state-chartered bank (Member FDIC).
The customer is notified through our interface and via email that they did not qualify for financing. We work with our retail partners to communicate the availability of alternative payment options in the event a customer is not pre-qualified.
If a customer returns part or all of their order, you can process a partial or full refund after a transaction has been settled via your OMS or by logging into Bread’s merchant portal.
If a customer contacts Bread’s support team with a complaint regarding the order, and we find there is sufficient evidence you are acting outside of your existing shipping, cancellation, or return policy, our team will send you a formal inquiry.
Merchants are given an allotted period of time to provide a response. If we do not receive a response or Bread rules in favor of the customer, a chargeback will be issued in the amount disputed.
To review our current dispute policy, please refer to information provided on our merchant portal.
We work hard to deliver a professional, friendly, and dignified experience, which is why Bread in-house representatives will provide customer service for your customers.
Bread supports many of the leading e-commerce platforms, including Magento, Shopify, WooCommerce, and more. We also have a flexible API to support custom builds for our retail partners.
Bread® loans made by our partner bank include both 0% APR and interest-positive programs, along with a variety of terms based on your needs. Please reach out to discuss the optimal program for you and your customers.
US residents over the age of 18 (19 for Alabama or Nebraska residents) are eligible to apply for financing, provided the customer’s identity can be verified.
Use Bread online, in-store, and/or over the phone. Our data-driven solutions are also built to support your marketing and retargeting efforts and can be easily integrated into any of your marketing channels including paid, email and social media.
Bread is a true full-funnel solution. How you choose to integrate Bread is completely up to you. We can be integrated completely throughout your website; homepage, product page, cart page, and checkout page integration are just starting points. You may also include financing in your customer acquisition tactics and your activation and win-back programs.
Businesses choose Bread because our unique full-funnel, white-label approach consistently outperforms other solutions in terms of unlocking revenue and boosting AOV and customer lifetime value.
Yes, Bread has robust white label capabilities that have been proven to drive higher conversions for our partners. With Bread you can customize the placement, aesthetics, and branding of financing across your site, including the application experience.
Bread partners with great brands selling direct to consumers (not to businesses) across many industries, from home goods to auto parts to fine jewelry. Bread’s solutions focus on financing durable goods rather than services. We support online, phone, and in-store sales channels with best-in-class technology and an outstanding service organization. Contact a member of our team to see how Bread can help your organization.
All of Bread’s financing solutions are designed to be simple and fair, and to treat your customers with dignity. Customers make equal monthly payments until their loan is repaid. Shoppers are reminded of their due date each month, and there is no penalty for early repayment.
With Bread, you are paid upfront in full, minus a merchant discount fee, within three (3) business days of requesting settlement. You do not take on the credit risk and fraud risk in most instances.