Getting Paid by Bread Pay

Learn about how and when you get paid by Bread Pay.


The below guidance is for Bread's Classic platform.
For merchants on Bread's 2.0. platform, please refer to our 2.0. documentation HERE.

Settlement and Transfer of Funds

When an order is marked as Settled with Bread, merchant payment capture is triggered, and funds can be expected in the merchant's bank account within 0+2 business days via ACH.

Bread only sends payment on business days (M-F and non-holidays) where there is a positive settlement balance.


Settlement / Payment Capture

Orders should only be marked “Settled” with Bread at or after fulfillment, unless otherwise approved by your Success point of contact.

Down Payment Transactions
For Down Payment transactions, funds deposit into your bank account via Bread’s credit card processing partner Stripe. Installment and Down Payment funds can sometimes deposit on different days and are always funded via two different ACH deposits.

You can find additional details on deposited funds in Bread's Settlement Report .