Shoppers Help Center

Once the retailer receives and processes your order cancellation or order return, a partial or full order refund is automatically applied to your Bread Pay™ account. Your Bread Pay™ account status and balance are adjusted accordingly.

If a partial order cancellation or order return is issued, your Bread Pay™ account balance will be adjusted to reflect your new remaining balance. If an order cancellation or order refund is issued in full, any payments made on your Bread Pay™ account will be returned to you less the accrued interest, return shipping fees, and 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 refund is processed to appear on your account.

If your requested order cancellation or order return is not reflected on your Bread Pay™ account, please contact the retailer directly to check on the status of your order request.

If you are still are having difficulty after contacting the retailer, please contact our Member Support team. Please note that 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 checkout with a Bread Pay™ Installment Loan.

If your requested order cancellation or order refund is not reflected on your Bread Pay™ account, please contact the retailer directly to check on the status of your request.

If you are missing part or all of your order, or have received damaged merchandise in your order, please contact the retailer directly.

To request an order return or an order cancellation, please contact the retailer where you made your purchase directly.

All order returns are subject to the retailer’s return and cancellation policies. Once the retailer issues your order return, a partial or full order refund is automatically applied to your Bread Pay™ account. Your Bread Pay™ account status and balance are adjusted accordingly.

You may still have an outstanding balance on your Bread Pay™ account after an order refund has been processed. This balance could consist of restocking fees, accrued interest, return shipping fees, or a combination of these.

If a partial order refund is issued, your Bread Pay™ account balance will be adjusted to reflect your new remaining balance. If an order refund is issued in full, any payments made on your Bread Pay™ account will be returned to you less any applicable accrued interest, restocking fees, or return shipping fees.

Any order cancellations or order refunds issued in excess of your current Bread Pay™ account balance will result in an outbound customer credit. This credit will be returned to the account used to make payments on your Bread Pay™ account in 7-10 business days from the date the order cancellation or order refund is processed.

To cancel your order, please contact the retailer where you made your purchase directly.

All order cancellations are subject to the retailer’s return and cancellation policies. If the retailer issues an order cancellation, your Bread Pay™ account status and balance will be adjusted accordingly.

You may still have an outstanding balance with Bread Financial™ after an order cancellation has been processed. This balance could consist of accrued interest, restocking fees, return shipping fees, or a combination of these. Please check the retailer’s order refund and order returns policy to determine if these fees apply to your order’s purchase and order return.

Any order cancellations 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 is processed to appear in your account.