Bread Financial Holdings, Inc. specializes in delivering advanced payment and lending solutions to consumers and businesses across North America. Its extensive service portfolio encompasses credit card and other loan financing, providing end-to-end support that includes risk management, account origination, and funding. This expertise is applied to approximately 130 private label and co-branded credit card programs, as well as partnerships serving around 500 small and medium-sized businesses. The company also offers the Comenity-branded general-purpose cash-back credit card. The company is also responsible for managing and servicing the loans it originates, covering all its credit card programs (private label, co-brand, general purpose) and its Bread Buy Now, Pay Later (BNPL) offerings, which comprise installment and split-pay options. Ancillary services include marketing, data, and analytics. A key offering is its advanced digital suite, featuring a unified Software Development Kit (SDK). This SDK facilitates seamless integration with Bread Financial's product ecosystem and enables the promotion of credit payment choices at earlier stages of the consumer's shopping journey. Furthermore, through its dedicated digital payments platform, "Bread," and its comprehensive set of Application Programming Interfaces (APIs), merchants and partners can seamlessly incorporate online point-of-sale financing, such as installment and split-pay solutions, and other digital payment methods. Founded in 1996, the company is headquartered in Columbus, Ohio. It operated as Alliance Data Systems Corporation until its rebranding to Bread Financial Holdings, Inc. in March 2022.