Bread Finance
White-label pay-over-time financing and branded credit cards for merchants
Bread Finance is a Shopify app developer that makes Bread Pay Messaging, a payment experience app on the Shopify App Store. It provides white-label pay-over-time financing and branded credit cards for merchants. Among the 15,394 Shopify brands over $5M that dtcmvp tracks, 112 (0.7%) run Bread Pay Messaging, #3 of 55 payment experience apps by that count. Its share is highest among Sports & Outdoors (1.8%), Home & Living (1.5%) and Electronics & Tech (1.5%) brands. It is rated 4.3 out of 5 from 3 reviews on the Shopify App Store. It has a free plan.
Overview
Bread Financial sells white-label financing and branded credit card products to merchants. These include pay-over-time options, private label cards and co-brand cards, which let a merchant offer customers ways to pay over time under its own brand. The Bread Pay Messaging app on the Shopify App Store lets customers apply and pre-qualify for financing earlier in the shopping journey.
For Shopify brands
- Offer installment or short-term SplitPay financing online or in-store under your own brand.
- Add private label or co-brand credit cards that carry financing, rewards and offers for your customers.
- Install Bread Pay Messaging from the Shopify App Store so shoppers can apply and pre-qualify for financing earlier in the shopping journey.
How it works
A business submits the contact form and an expert reaches out within one business day. Products can be implemented individually or mixed and matched to the business's needs.
- Built for
- Businesses of a range of sizes, with the contact form offering annual revenue bands from $0-1M to $250M+.
- Pricing
- Bread Pay Messaging has a free plan on the Shopify App Store.
Products
- Installments A platform for flexible payments online or in-store.
- Private label Credit card program with financing, rewards and exclusive offers for a merchant's customers.
- Co-brand Private label program benefits combined with the flexibility of a traditional credit card.
- Bread Pay Messaging Shopify app letting customers apply and pre-qualify for financing earlier in shopping.
Buyer notes
- Contact form is for businesses only, and an expert responds within one business day.
- Bread Pay Messaging is listed under the Selling products category on the Shopify App Store.
- Products can be implemented individually or combined.
From Bread Finance's own site and Shopify App Store listings, as of 2026-10-30.
Among Shopify brands over $5M
Share of each sector's brands running it, where that beats the overall rate.
On the Shopify App Store
Bread Pay Messaging
4.3 · 3 reviewsFree planOn 0.7% of brands over $5MLaunched 2022Payment experienceWith the Bread Pay Messaging app customers can apply and pre-qualify for financing earlier in the shopping journey, empowering them with transparen...
Ratings, reviews, plans, prices and descriptions as the Shopify App Store lists them. how we count.
Alternatives to Bread Finance
The most used payment experience apps among Shopify brands over $5M.
| App | Brands over $5M | App Store |
|---|---|---|
| Afterpay On‑Site Messaging · Afterpay | 1.6% | 3.1 · 55 |
| Flex | 1.1% | 5.0 · 7 |
| Synchrony On‑Site Messaging · Synchrony | 0.4% | 4.0 · 1 |
| Clearpay On‑Site Messaging · Afterpay | 0.3% | — |
| SPD Split Payment & Deposit · FINLOOP SOLUTIONS LLC | 0.3% | 4.8 · 145 |
| Deposit & Partial Payment Depo · Sidepanda Services LLP | 0.2% | 4.4 · 98 |
Often used with Bread Finance
What its brands run more often than Shopify brands over $5M do overall.
- Truemed Extensions13.4% of its brands · 7.4x average
- Infinite Options11.6% of its brands · 2.9x average
- Wyllo11.6% of its brands · 2.7x average
- Affirm pay‑over‑time messaging18.8% of its brands · 2.7x average
- Stamped Reviews & Loyalty22.3% of its brands · 2.5x average
What Shopify apps does Bread Finance make?
Bread Finance has 1 app on the Shopify App Store: Bread Pay Messaging.
How many Shopify brands use Bread Finance?
Among the 15,394 Shopify brands over $5M that dtcmvp tracks, 112 (0.7%) run Bread Pay Messaging, #3 of 55 payment experience apps by that count. Its share is highest among Sports & Outdoors (1.8%), Home & Living (1.5%) and Electronics & Tech (1.5%) brands.
What are the alternatives to Bread Finance?
The most used payment experience apps among Shopify brands over $5M, after Bread Finance: Afterpay On‑Site Messaging (1.6%), Flex (1.1%), Synchrony On‑Site Messaging (0.4%), Clearpay On‑Site Messaging (0.3%), SPD Split Payment & Deposit (0.3%) and Deposit & Partial Payment Depo (0.2%).
What do Bread Finance's brands use alongside it?
Of the brands running Bread Finance, 13.4% also run Truemed Extensions, 11.6% also run Infinite Options, 11.6% also run Wyllo, 18.8% also run Affirm pay‑over‑time messaging and 22.3% also run Stamped Reviews & Loyalty. Each is at least 2.5 times as common among them as across all brands over $5M.
How is Bread Pay Messaging rated?
Bread Pay Messaging is rated 4.3 out of 5 from 3 reviews on the Shopify App Store.
How much does Bread Finance cost?
It has a free plan.