Shoppers Help Center
Bread Pay™ SplitPay
To check on the status of your order, please reach out to the retailer directly.
Yes, the next three payments will be taken out automatically every 2 weeks over the next 6 weeks.
You’ll be making your first of four payments the moment you check out.
You can make payments on SplitPay via a personal debit card or credit card. You cannot make SplitPay payments with a business debit card, ACH, or by check. 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.
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.
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 pay with your personal debit card or credit card for all SplitPay purchases. The 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 for SplitPay, we cannot accept payments by ACH, bank transfer, or pre-paid cards
After the retailer processes your return, a partial refund will be issued to your transaction and your SplitPay balance will adjust accordingly. Any remaining installments will be adjusted (starting with your last installment and moving backward).
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.
Any payment refunds will be credited back to your original payment method.
For SplitPay, payments will be due every two weeks from the date of checkout.
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.
Unfortunately, we are unable to change or add to an order that has already been placed.
Unfortunately, no. The dates your payments are due are predetermined from the date that you check out.