Bread Finance Application by Bread Finance

Configuration Guide Increase conversion on your website. Don’t wait until checkout to tell your customers about financing. Booking volume increases by as much as 2.5X when customers understand their purchasing power while they shop. The Bread Finance application enables you to easily add a financing option to your Mozu payment options.

Application Features Display financing option on product details page, within the shopping cart and within checkout

Display potential monthly payment if the shopper uses financing on the product details page, within the shopping cart and within checkout

Provide shoppers with even more accurate potential payment details when they register and authenticate with Bread Finance, which they can do directly within your site

Style the Bread Finance button to your desire – make it look and feel like your own personal financing option

Securely connects Mozu to your existing Bread Finance account through the use of merchant ID and API credentials

Transmits necessary order and shipping information between Mozu and Bread Finance

Provides the flexibility the merchants desire with their order workflow management by providing the ability to:

o Obtain authorization and capture payment on order placement as well as o Obtain authorization on order placement and allow for the capture of payment on order

fulfilment or shipment within Mozu

Can be enabled alongside any other payment providers or gateways, including PayPal Express, Pay with Amazon and Visa Checkout.

Bread Finance Features Grow your sales with bespoke tools and a true partner

o Modular features to test and implement as needed o Dynamic offers by platform, segment or product o Highly customizable – can be white label

Empower your customers to buy how and when they want o Educate shoppers in the moment of decision o Beautiful desktop and mobile web experience

Maintain margins with promotions using Bread o Drive incremental sales without discounting o Boost upgrades and cross sell with Automatic Repricing

Boost conversion with faster, easier checkout o Real-time decisioning o Five easy data points

o Seamless integration

Setup Overview The following steps are required before you can use Bread Finance within your site(s):

1. Install the Bread Finance Application on your tenant 2. Update your Mozu theme 3. Configure Bread Finance within the Mozu payment settings 4. Enable the application

Install the Application Mozu requires that you contact your Mozu sales or professional services representative to install the Bread Finance application on your tenant

ℹ Note: If you create a new site within a tenant that already has the Bread Finance Application

installed, you must reinstall the application to apply the payment configuration settings to the new site.

Update Your Mozu Theme

✅ Tip: This section assumes you already have a general understanding of how to build, update,

install and apply Mozu themes. Refer to the Theme Asset Management topic to learn more about working with themes.

Installing and configuring the Bread Finance Application enables Bread Finance functionality within the Mozu Admin. However, you must still enable Bread Finance functionality on your storefront so that shoppers can utilize it.

1. Within Mozu Admin navigate to Main > Site Builder > Themes 2. Click the dots next to the new theme and select Apply.

Configure the Application After the Bread Finance application is installed, you must configure your payment settings within Mozu Admin to connect Mozu with your Bread Finance account:

ℹ Note: If you create a new site within a tenant that already has the Bread Finance Application

installed, you must reinstall the application to apply the payment configuration settings to the new site.

1. Within Mozu Admin navigate to System > Settings > Payment Types 2. Select Bread Finance from the tabular sub-menu to display the Bread Finance configuration

fields:

3. Select the Bread Finance Environment you want to use:

Select Sandbox to use Bread Finance sandbox environment for testing your Bread Finance integration.

Select Production to use a working Bread Finance environment that processes payments. 4. Enter your API Key and Shared Secret for your Bread Finance merchant account

Contact Bread Finance to obtain your API Key and Shared Secret 5. Select an Order Processing method:

Authorize and Capture on Order Placement authorizes AND captures payment with the order is placed

Authorize on Order Placement and Capture on Order Shipment authorizes a payment when an order is placed, but does not capture to that payment until you manually click the Capture button in the Orders segment within Mozu Admin. (Typically, you capture payment when you ship an order.)

6. Click Save to save your Bread Finance settings

Enable the Application After configuration, enable the Bread Finance Application in Mozu to apply its functionality to your tenant:

1. Within Mozu Admin, navigate to System > Customization > Applications 2. Select Bread Finance Application 3. Click the Enable App button on the page

Use the Application After you have installed the application and merged the theme changes, the Bread Finance button appears on the product details page, cart and checkout page of your Mozu site.

Bread Finance on Product Details Page With Bread Finance enabled, your shoppers see a Bread Finance button on the Product Details Page of your site. Complete the following steps to test the user experience:

1. Click the Bread Finance button to launch a modal window for Bread Finance. 2. Create an account or login to your Bread Finance account

a. Existing Bread Finance Account – Login

b. Create Bread Finance Account

3. Click Continue Shopping to return to Mozu Product Details Page and the Bread Finance details are updated with financing details specific to the shopper based on their selected payment period and APR provided by Bread.

Bread Finance on Cart Page With Bread Finance enabled, your shoppers see a Bread Finance button on the Cart Page of your site. Complete the following steps to test the user experience:

1. Click the Bread Finance button to launch a modal window for Bread Finance. 2. Create an account or login to your Bread Finance account

a. Existing Bread Finance Account – Login

b. Create Bread Finance Account

3. Click Continue Shopping to return to Mozu Cart Page and the Bread Finance details are updated with financing details specific to the shopper based on their selected payment period and APR provided by Bread.

Bread Finance on Checkout Page Within Order Summary With Bread Finance enabled, your shoppers see a Bread Finance button on the Checkout Page of your site within Order Summary. Complete the following steps to test the user experience:

1. Click the Bread Finance button to launch a modal window for Bread Finance. 2. Create an account or login to your Bread Finance account

a. Existing Bread Finance Account – Login

b. Create Bread Finance Account

3. Click Continue Shopping to return to Mozu Checkout Page and the Bread Finance details are updated with financing details specific to the shopper based on their selected payment period and APR provided by Bread.

Bread Finance on Checkout Page as Payment Method When a shopper chooses to Proceed to Checkout from the Cart page, they are are presented with payment options you have selected, which includes Bread Finance. Complete the following steps to test the user experience:

1. Click the Bread Finance button to launch a modal window for Bread Finance. 2. Create an account or login to your Bread Finance account

a. Existing Bread Finance Account – Login

b. Create Bread Finance Account

3. Select your Bread Finance payment terms.

4. Review your order and financing terms. Click Accept and Checkout to return to Mozu Checkout Page. Bread Finance terms are displayed as payment method and Order Summary is updated with Payment Terms.

5. Click Place Order to complete order.

Payment Authorization and Capture Depending on your Order Processing method selection when you configured the application, when the shopper clicks Place Order the Mozu Checkout page, Mozu either only authorizes the order or authorizes the order AND captures the payment.

ℹ Note: Regardless of when you capture the payment, Mozu strongly recommends you always

capture payment within Mozu. If you capture payment from your Bread Finance account, you must then handle any refunds or returns from Bread Finance, which can disrupt your Mozu order history.

The order appears in the Orders module within Mozu Admin. Note the following details from the Payments tab:

Caption Description

1 Payment Method indicates payment type of Bread Finance 2 The Transaction History entry for payment authorization:

2a – Status and Response Code represent the status of the payment

2b – Authorization ID matches the Authorization ID within Bread Finance 3 The Reference ID for the transaction matches Reference ID within Bread Finance

Returns If you return or credit payment within Mozu, the credit appears as Bread Finance Refund.