Bread Payments, originally founded as 'Bread' in 2014, is a technology-driven platform specializing in buy now, pay later (BNPL) and point-of-sale (POS) financing solutions. In 2020, Bread was acquired by Alliance Data, which subsequently rebranded to Bread Financial Holdings, Inc. in 2022. Today, Bread Payments operates as a core product suite within Bread Financial, enabling e-commerce merchants and brick-and-mortar retailers to offer their customers flexible, transparent payment options. These solutions help businesses increase conversion rates, average order values, and customer engagement by providing consumers with the ability to pay for purchases over time through clear, manageable installment plans. Bread Payments is known for its white-label capabilities, allowing merchants to integrate the financing experience seamlessly under their own brand.
Serves as the corporate headquarters for Bread Financial, overseeing strategy, technology development (including the Bread platform), operations, marketing, and risk management for all its financial products.
A modern corporate campus designed to support a large financial technology organization, likely featuring collaborative workspaces and advanced technological infrastructure.
The work culture at Bread Financial emphasizes innovation in financial technology, customer-centricity, data-driven insights, and responsible practices. It fosters collaboration and professional development within a dynamic industry.
The Columbus headquarters is central to Bread Financial's operations and its ability to drive innovation in the payments and lending space, including the ongoing evolution and support of the Bread Payments platform.
As part of Bread Financial, Bread Payments primarily serves the U.S. market, offering its BNPL and POS financing solutions to U.S.-based merchants and consumers. While direct consumer-facing international operations for Bread Payments are not the current focus, Bread Financial may utilize global talent and resources for technology development, operational support, and customer service functions to enhance its U.S. offerings. The digital nature of its services allows for broad accessibility within its target market.
3075 Loyalty Way
Columbus
Ohio
USA
Address: While specific 'Bread Payments' team addresses are integrated within Bread Financial's broader office network, New York City, the original home of Bread, remains a key operational and talent hub.
Serves as an important center for innovation and market engagement for Bread payment solutions, building on its legacy as Bread's founding city and a global financial center.
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As of April 2025, Bread' leadership includes:
Bread has been backed by several prominent investors over the years, including:
Bread Financial's C-suite executive team has shown stability over the past year. Key personnel developments have included strategic appointments at the Senior Vice President level and enhancements to board governance to support the company's growth and strategic objectives.
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Employees of Bread Financial, which operates the Bread Payments platform, typically use standardized corporate email addresses. The most common formats are based on employee names followed by the '@breadfinancial.com' domain.
The most common email format is [first].[last]@breadfinancial.com. Another frequently used format is [first_initial][last]@breadfinancial.com.
Format
jane.doe@breadfinancial.com
Example
85%
Success rate
Bread Financial Investor Relations • April 25, 2024
Bread Financial announced its Q1 2024 financial results, indicating growth in credit sales and receivables while navigating credit normalization. The company underscored its dedication to prudent risk management and strategic investments....more
Bread Financial Investor Relations • May 15, 2024
Bread Financial's Board of Directors declared a quarterly cash dividend of $0.21 per share on its common stock, payable in June 2024. This action reflects the company's ongoing commitment to delivering shareholder value....more
PR Newswire • March 12, 2024
Bread Financial and Dell Technologies renewed their partnership for Dell's consumer financing program, Dell Pay, which provides flexible payment options for Dell.com customers in the U.S., reinforcing Bread Financial's role in enabling consumer credit....more
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