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Bread Financial™ and Versatile Credit have teamed up to introduce Buy Now, Pay Later (BNPL) on the Versatile platform.

Boost your customers’ buying power while increasing your average ticket sales.

Bread Pay™, Now In-Store

For the first time, merchants can provide their customers with a BNPL solution on the Versatile platform.

Quick Prequalification & Checkout

Customers can pre-qualify in a matter of seconds & immediately checkout with Bread Pay™.

Powered by Versatile Credit

Merchants can launch Bread Pay™ installment loans and checkout in-store from an easy-to-use portal.

Quick & Easy to Deploy

It’s quick & easy for existing Versatile merchants to setup Bread Pay™ in-store, with great training available for management and sales associates.

Available on “Any Device with a Web Browser”

Customers can apply on their own personal device, or from a store-owned, web-enabled devices including tablets & PCs.

Greater Access

Give customers greater access to a full spectrum of lending solutions by adding Bread Pay to your Versatile Credit Cascade™.

One Portal, Actionable Data

Versatile’s Portal is a one-stop shop for all of your financing program needs. Harness real-time analytics to holistically measure & quantify the impact of your financing program.



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Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company