Alliance Data Systems (Bread Financial Holdings) · Capability

Bread Pay BNPL Checkout Workflow

End-to-end Bread Pay BNPL workflow composing buyer lookup, payment options, transaction create + authorize, shipping capture, and settlement.

Bread Pay BNPL Checkout Workflow is a Naftiko capability published by Alliance Data Systems (Bread Financial Holdings), one of 4 capabilities the APIs.io network indexes for this provider.

Can be deployed as a REST endpoint, MCP tool, or Agent Skill via Naftiko.

Tagged areas include Bread Pay, Bread Financial, BNPL, Workflow, and Checkout.

Run with Naftiko Bread PayBread FinancialBNPLWorkflowCheckout

Capability Spec

bnpl-checkout-workflow.yaml Raw ↑ 
naftiko: 1.0.0-alpha2
info:
  label: Bread Pay BNPL Checkout Workflow
  description: 'End-to-end Bread Pay BNPL workflow composing buyer lookup, payment options, transaction create + authorize, shipping capture, and settlement.'
  tags:
    - Bread Pay
    - Bread Financial
    - BNPL
    - Workflow
    - Checkout
  created: '2026-05-23'
  modified: '2026-05-23'
binds:
  - namespace: env
    keys:
      BREAD_CLIENT_ID: BREAD_CLIENT_ID
      BREAD_CLIENT_SECRET: BREAD_CLIENT_SECRET
      BREAD_LEGACY_TOKEN: BREAD_LEGACY_TOKEN
capability:
  composes:
    - capability: bread-pay-platform-buyers
      role: identity
    - capability: bread-pay-platform-transactions
      role: payments
    - capability: bread-classic-transactions
      role: shipping-fallback
  workflow:
    name: bnpl-checkout-and-settlement
    steps:
      - name: lookup-buyer
        uses: bread-pay-platform-buyers.getBuyer
      - name: list-options
        uses: bread-pay-platform-buyers.listPaymentOptions
      - name: create-transaction
        uses: bread-pay-platform-transactions.createTransaction
      - name: authorize-transaction
        uses: bread-pay-platform-transactions.authorizeTransaction
      - name: record-shipping
        uses: bread-classic-transactions.addTransactionShipping
        note: "Shipping endpoints still live on the legacy Bread Classic Merchant API."
      - name: settle-transaction
        uses: bread-pay-platform-transactions.settleTransaction