Shoppers Help Center

If a partial refund is issued to your order, the refund will be applied to the outstanding balance on your Bread Pay™ account. Your Bread Pay™ account payments will not change; however the number of payments to pay off your Bread Pay™ account may be shortened and the total interest paid may decrease. Any order refunds issued in excess of your current Bread Pay™ account balance will result in an outbound customer credit being issued to the original payment method used. The credit may take 7-10 business days from the date the order refund is processed to appear on your account.

If a refund is issued in full for your order, any payments made on your Bread Pay™ account will be returned to you less any accrued interest, return shipping fees, or restocking fees.

Any order cancellations or order refunds issued in excess of your current Bread Pay™ account balance will result in an outbound customer credit being issued to the original payment method used. The credit may take 7-10 business days from the date the order cancellation or order refund is processed to appear on your account.

Please contact the retailer directly regarding the products ordered, the delivery of your items, a requested cancellation or return, or any other questions about the status of your order items. If the retailer is unresponsive to your query, or acts outside of their listed return or cancellation policy, please contact our Member Support team. Depending on the retailer you purchased from, Bread Financial™ may or may not be able to raise an order dispute on your behalf with the retailer. If we are able to open a formal order dispute, we require the following to initiate your order dispute:

1. Evidence of your correspondence with the retailer that you attempted to resolve the order dispute
2. The amount being disputed
3. A description of the nature of the order dispute, including the items disputed
4. If the order dispute is due to incorrect or damaged products, we also require picture evidence of this

If we open an order dispute with the retailer, that order dispute can take up to 90 days to reach a resolution and must be initiated within 30 days of your checkout for SplitPay, or within 120 days of your loan origination with a Bread Pay™ Installment Loan.

You are required to make payments on your Bread Pay™ account until the retailer resolves your query or Bread Financial resolves an order dispute in your favor.

Please contact the retailer about your damaged merchandise. You are required to make payments on your Bread Pay™ account until the balance is paid or credited in full. Any refunds from the retailer will be credited to your Bread Pay account, which will reduce the amount you owe.

If the retailer is unresponsive to your query, or acts outside of their listed policy, you may Contact Us to see if we can assist.