Alliance Data Systems (Bread Financial Holdings) · Capability

Bread Pay Platform — Transactions

Bread Pay Platform API — Transactions. 6 operations covering create, get, authorize, cancel, settle, refund. Self-contained Naftiko capability for one Bread Financial business surface.

Bread Pay Platform — Transactions is a Naftiko capability published by Alliance Data Systems (Bread Financial Holdings), one of 4 capabilities the APIs.io network indexes for this provider. It bundles 2 operations across the POST and GET methods rooted at /v1/transaction.

The capability includes 1 read-only operation and 5 state-changing operations. Lead operation: Bread Pay Create A Transaction. Can be deployed as a REST endpoint, MCP tool, or Agent Skill via Naftiko.

Tagged areas include Bread Pay, Bread Financial, BNPL, and Transactions.

Run with Naftiko Bread PayBread FinancialBNPLTransactions

What You Can Do

POST
Createtransaction — Bread Pay Create A Transaction
/v1/transaction
GET
Gettransaction — Bread Pay Get A Transaction
/v1/transaction/{transactionID}

MCP Tools

bread-pay-create-transaction

Bread Pay Create A Transaction

bread-pay-get-transaction

Bread Pay Get A Transaction

read-only idempotent
bread-pay-authorize-transaction

Bread Pay Authorize A Transaction

bread-pay-cancel-transaction

Bread Pay Cancel A Transaction

idempotent
bread-pay-settle-transaction

Bread Pay Settle A Transaction

bread-pay-refund-transaction

Bread Pay Refund A Transaction

Capability Spec

bread-pay-platform-transactions.yaml Raw ↑ 
naftiko: 1.0.0-alpha2
info:
  label: Bread Pay Platform — Transactions
  description: 'Bread Pay Platform API — Transactions. 6 operations covering create, get, authorize, cancel, settle, refund. Self-contained Naftiko capability for one Bread Financial business surface.'
  tags:
    - Bread Pay
    - Bread Financial
    - BNPL
    - Transactions
  created: '2026-05-23'
  modified: '2026-05-23'
binds:
  - namespace: env
    keys:
      BREAD_CLIENT_ID: BREAD_CLIENT_ID
      BREAD_CLIENT_SECRET: BREAD_CLIENT_SECRET
capability:
  consumes:
    - type: http
      namespace: bread-pay-platform-transactions
      baseUri: https://api.platform.breadpayments.com/api
      description: Bread Pay Platform Transactions consumer. Self-contained, no shared references.
      resources:
        - name: transaction
          path: /transaction
          operations:
            - name: createTransaction
              method: POST
              description: Bread Pay Create A Transaction
              outputRawFormat: json
              outputParameters:
                - name: result
                  type: object
                  value: $.
              inputParameters:
                - name: body
                  in: body
                  type: object
                  description: Request body (JSON).
                  required: true
        - name: transaction-id
          path: /transaction/{transactionID}
          operations:
            - name: getTransaction
              method: GET
              description: Bread Pay Get A Transaction
              outputRawFormat: json
              outputParameters:
                - name: result
                  type: object
                  value: $.
        - name: transaction-id-authorize
          path: /transaction/{transactionID}/authorize
          operations:
            - name: authorizeTransaction
              method: POST
              description: Bread Pay Authorize A Transaction
              outputRawFormat: json
              outputParameters:
                - name: result
                  type: object
                  value: $.
              inputParameters:
                - name: body
                  in: body
                  type: object
                  required: true
        - name: transaction-id-cancel
          path: /transaction/{transactionID}/cancel
          operations:
            - name: cancelTransaction
              method: POST
              description: Bread Pay Cancel A Transaction
              outputRawFormat: json
              outputParameters:
                - name: result
                  type: object
                  value: $.
        - name: transaction-id-settle
          path: /transaction/{transactionID}/settle
          operations:
            - name: settleTransaction
              method: POST
              description: Bread Pay Settle A Transaction
              outputRawFormat: json
              outputParameters:
                - name: result
                  type: object
                  value: $.
              inputParameters:
                - name: body
                  in: body
                  type: object
                  required: false
        - name: transaction-id-refund
          path: /transaction/{transactionID}/refund
          operations:
            - name: refundTransaction
              method: POST
              description: Bread Pay Refund A Transaction
              outputRawFormat: json
              outputParameters:
                - name: result
                  type: object
                  value: $.
              inputParameters:
                - name: body
                  in: body
                  type: object
                  required: true
      authentication:
        type: oauth2
        flow: client_credentials
        tokenUrl: https://auth.platform.breadpayments.com/auth/sso/token
        clientId: '{{env.BREAD_CLIENT_ID}}'
        clientSecret: '{{env.BREAD_CLIENT_SECRET}}'
  exposes:
    - type: rest
      namespace: bread-pay-platform-transactions-rest
      port: 8080
      description: REST adapter for Bread Pay Platform Transactions, prefixed with /v1.
      resources:
        - path: /v1/transaction
          name: transaction
          description: REST surface for transaction.
          operations:
            - method: POST
              name: createTransaction
              description: Bread Pay Create A Transaction
              call: bread-pay-platform-transactions.createTransaction
              with:
                body: rest.body
              outputParameters:
                - type: object
                  mapping: $.
        - path: /v1/transaction/{transactionID}
          name: transaction-id
          description: REST surface for a single transaction.
          operations:
            - method: GET
              name: getTransaction
              description: Bread Pay Get A Transaction
              call: bread-pay-platform-transactions.getTransaction
              outputParameters:
                - type: object
                  mapping: $.
    - type: mcp
      namespace: bread-pay-platform-transactions-mcp
      port: 9090
      transport: http
      description: MCP adapter for Bread Pay Platform Transactions. One tool per consumed operation.
      tools:
        - name: bread-pay-create-transaction
          description: Bread Pay Create A Transaction
          hints:
            readOnly: false
            destructive: false
            idempotent: false
          call: bread-pay-platform-transactions.createTransaction
          with:
            body: tools.body
          outputParameters:
            - type: object
              mapping: $.
        - name: bread-pay-get-transaction
          description: Bread Pay Get A Transaction
          hints:
            readOnly: true
            destructive: false
            idempotent: true
          call: bread-pay-platform-transactions.getTransaction
          outputParameters:
            - type: object
              mapping: $.
        - name: bread-pay-authorize-transaction
          description: Bread Pay Authorize A Transaction
          hints:
            readOnly: false
            destructive: false
            idempotent: false
          call: bread-pay-platform-transactions.authorizeTransaction
          with:
            body: tools.body
          outputParameters:
            - type: object
              mapping: $.
        - name: bread-pay-cancel-transaction
          description: Bread Pay Cancel A Transaction
          hints:
            readOnly: false
            destructive: true
            idempotent: true
          call: bread-pay-platform-transactions.cancelTransaction
          outputParameters:
            - type: object
              mapping: $.
        - name: bread-pay-settle-transaction
          description: Bread Pay Settle A Transaction
          hints:
            readOnly: false
            destructive: false
            idempotent: false
          call: bread-pay-platform-transactions.settleTransaction
          with:
            body: tools.body
          outputParameters:
            - type: object
              mapping: $.
        - name: bread-pay-refund-transaction
          description: Bread Pay Refund A Transaction
          hints:
            readOnly: false
            destructive: true
            idempotent: false
          call: bread-pay-platform-transactions.refundTransaction
          with:
            body: tools.body
          outputParameters:
            - type: object
              mapping: $.