Email Marketing

Create campaigns marketing Bread Pay™ to capture price-sensitive customers and drive more sales. On this page, you can find language to market your financing program over email, including templates for:

👍

Banners and Social Media

Click here for our templated banner and social media marketing assets.

Instructions

Please use the following as best practices to get the strongest return on ad spend for your ad campaign:

Creative:
Make sure to run photogenic, attention-grabbing, and highly compelling brand images that get users interested in your ad.

Welcome emails:
Introduce financing to your customers and tap unmet consumer demand with a welcome campaign. Language and examples can be found below.

Ongoing emails:
Add a financing banner to all outbound customer emails, linking to your Financing Page.

Abandoned carts:
Language below to target customers who have abandoned their cart, using one of the following strategies:

  1. All Customers: Consider retargeting anyone who lands on the website (particularly for high AOV, high consideration products).

Non-healthcare merchants can retarget customers using the Bread Pay "Applicant Report" in your Bread Pay merchant portal to increase take rates by most effectively targeting abandoned users:

  1. Didn't provide enough information to see if pre-qualified: Reassure customers who have abandoned the form that financing is fast and doesn’t impact their credit score.
  2. Approved: Send an email to approved customers reminding them that they can pursue financing.
  3. Denied: Offer a promotion to encourage the customer to continue with their purchase. Do not mention Bread Pay or the denial. Example copy: “You are a valued customer. Use this promo code: XXX to receive $50 OFF your purchase!”*

Please note that Bread Pay also retargets on behalf of our merchant partners. More detail here.

🚧

IMPORTANT

Given that Bread Pay is a highly-regulated financial product, please follow all instructions highlighted below before putting these assets live on your site.

You must send assets to your Bread Pay merchant success point of contact for compliance review before you put that marketing in front of customers.

Welcome Email (Installment Loans)

You must use the exact language and include the mandatory disclosures highlighted below.

Text / CopyLayout Example
Subject Line:
Shop now. Pay later.

Header Text:
Affordable financing options available today

CTA:
Shop Now

Body Copy:
Shop now and pay later with easy, affordable financing. Choose Bread Pay™ at checkout and see if you prequalify in seconds. You can pay over time for things you love! Subject to approval of credit application. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.

We offer easy, affordable financing options powered by Bread Pay™. Paying over time is simple:

- Affordable monthly plans: Pay for your order at competitive interest rates.

- No prepayment penalties: Pay for your purchase with monthly payments and prepay at any time without penalty.

- Quick and easy application: Get a decision in seconds with no obligation to buy. Checking your rate won’t affect your credit score

CTA:
Shop now

Footer (Mandatory Disclosure):
Subject to approval of credit application. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.

Welcome Email (SplitPay)

You must use the exact language and include the mandatory disclosures highlighted below.

Text / CopyLayout Example
Subject Line:
Shop today, Pay over time

Header Text:
Four interest-free payments!

Body Copy:
Shop now and pay later with our easy, affordable financing. Choose SplitPay and we break down the total cost of your purchase into four equal installments, due every two weeks. Simply select Bread Pay™ at checkout to split your purchase into four easy payments. Pay over time for the things you love:

- No interest: Just four equal interest-free payments!
- No hassle: Make your first payment at purchase and the next three payments will be taken out automatically every two weeks over the next six weeks.
- No catch: At checkout, simply enter a few pieces of information and get a decision quickly without affecting your credit score.

CTA:
Shop now

Footer (Mandatory Disclosure):
Please note, your financial institution may charge you one or more non-sufficient funds or overdraft fees if any loan payment exceeds your account’s available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees.

Subject to approval of credit application. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.

Abandoned Cart Email (Installment Loans)

You must use the exact language and include the mandatory disclosures highlighted below.

Text / CopyLayout Example
Subject Line:
Your cart is ready and waiting for checkout

Header Text:
Remember, you can still finance your purchases

CTA:
Shop Now

Body Copy:
Don’t forget, you can now finance your purchase with Bread Pay™! Pay over time for the products you love.

- Affordable monthly plans: Pay for your order at competitive interest rates.
- No prepayment penalties: Pay for your purchase with monthly payments and prepay at any time without penalty.
- Quick and easy application: Get a decision in seconds with no obligation to buy. Checking your rate won’t affect your credit score.

Footer (Mandatory Disclosure):
Subject to approval of credit application. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.

Abandoned Cart Emails (SplitPay)

You must use the exact language and include the mandatory disclosures highlighted below. Any custom language must be approved by our Compliance team before going live.

Text / CopyLayout Example
Subject Line:
Your cart is still ready for checkout!

Header Text:
Buy the items in your cart today and pay over time

CTA:
Shop Now

Body Copy:
Don’t forget, you can now finance your purchase with Bread Pay™. Pay over time for the products you love! Choose Bread Pay™ at checkout and split your purchase into four payments.

- No Interest: Just four, equal interest-free payments!
- No Hassle: Make your first payment at purchase and the next three payments will be taken out automatically every two weeks over the next six weeks.
- No Catch: At checkout, simply enter a few pieces of information and get a decision quickly without affecting your credit score.

Footer (Mandatory Disclosure):
Please note, your financial institution may charge you one or more non-sufficient funds or overdraft fees if any loan payment exceeds your account’s available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees.

Subject to approval of credit application. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.

Automated Retargeting

Please note that Bread Pay™ also retargets customers on your behalf, sending automated retargeting emails to customers who have been approved with Bread Pay™ but have not completed their purchase. These emails are sent on behalf of the merchant and direct the customer back to the merchant’s site to complete their transaction.

Bread sends the following types of retargeting emails"

  1. Pre-decision: Sent to shoppers who have exited the Bread modal before receiving a prequalification decision. (Email: 10 minutes)
  2. Cart abandonment: Sent to shoppers who prequalify with Bread but abandon their cart. This message will showcase credit limit approvals and the cart item if applicable. (Email: 30 minutes, 24 hours)
  3. Cart Abandonment — Credit Decision Expiration: Sent 6 days after shopper who has prequalified abandons their cart. (Email: 6 days after the prequalification decision, including countdown clock prior to credit decision expiration)