Shoppers Help Center
Bread Pay™ SplitPay
You can make payments on SplitPay via a personal debit or credit card. You cannot make SplitPay payments with a business debit or credit card or ACH. Additionally, Bread Financial™ does not accept Flexible Spending Account (FSA) or Health Savings Account (HSA) payment cards because we are not designated as a health services retailer.
With SplitPay, we break down the total cost of your purchase into four equal installments, due every two weeks. Your first payment is due at the time of purchase. The remaining three payments will be automatically processed every two weeks until the purchase is paid off.
Please note that SplitPay payments must be made on a debit card or credit card with sufficient funds. We cannot accept SplitPay payments by ACH, bank transfer, or pre-paid cards.
You’ll be making your first of four payments the moment you check out.
Yes, the next three payments will be taken out automatically every 2 weeks over the next 6 weeks.
We will retry charging your payment method 1 day later for the original amount. If this initial retry fails, we will add the original payment amount to your next scheduled payment. We will continue to retry your payment method until the last payment.
If your payments continue to fail, and your SplitPay account charges off, you will no longer be eligible for SplitPay in the future. We reserve the right to report to credit bureaus in the future.
Unfortunately, no. We are unable to accept early payments on SplitPay accounts at this time.
You can make changes to your payment method at any time on the SplitPay page in the Bread Financial Member Portal by clicking “Update Payment Method.”
Not a problem. You can add a new payment method at any time on the SplitPay page in the Bread Financial Member Portal by clicking “Update Payment Method.” There you will be able to choose “Add a New Payment Method.”
We recommend adding a new card to your account in the Member Portal as soon as possible to ensure that your account stays current while your bank sends you a replacement card.
You can add a new payment method at any time on the SplitPay page in the Bread Financial Member Portal by clicking “Update Payment Method.” There you will be able to choose “Add a New Payment Method.”
Unfortunately, no. The dates your payments are due are predetermined from the date that you check out.
For SplitPay, payments will be due every two weeks from the date of checkout.
After the retailer processes your return, a partial or full refund is automatically applied to your SplitPay purchase.
For partial refunds, we will deduct the amount from your last scheduled payment first. For example, if you made a purchase of $1000 and returned $500, we would cancel your last two SplitPay payments of $250 each. If you have already made these payments, we would refund the appropriate amounts.
You can see the current balance of your SplitPay payment plan in your confirmation emails and in the Bread Financial Member Portal.
For security purposes, we only update your information via phone.
Please contact our Member Support team here.
Unfortunately, we are unable to change or add to an order that has already been placed.