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What is Apple Pay Later?

Apple Pay was introduced to the iPhone series in 2014, making it easier for users to make payments in person and online.

The ability to pay using your smartphone has become more commonplace in the last few years, making it even easier for people to pay for products in person without needing a physical card.

Due to the Covid-19 pandemic paying contactless has also become more popular, with most establishments supporting Apple Pay and other methods like Google Pay and PayPal.

Apple Pay is exclusive to the Apple iPhone Series, however, since its release, it has only been possible for users to pay in one instalment, with no support for the “Buy now, Pay later” method.

But it looks like the company is looking to change that, with the introduction of the new feature, Apple Pay Later. Keep reading to find out what Apple Pay Later is and how it works.

What is Apple Pay Later?

Apple Pay Later has been built into Apple Wallet and allows users to pay for products purchased online in instalments instead of all at once, making it easier for users to pay off big expenses.

Users are able to pay for products in four equal payments that are spread over six weeks, with the company claiming that the service has a zero-interest policy and will not be collecting fees of any kind.

Apple Pay Later images
Credit: Apple

Apple Pay Later does give users the option to pay off their payments in full, with the ability to view and track how their payments are going over the six weeks in the Apple Wallet app.

It is currently only available for users in the US, but it works everywhere that Apple Pay is accepted, be that online or in-app purchases. The company has not yet confirmed when the feature will make its way across the pond, although we will be sure to update this article when we know the release date for different regions.

Apple Pay Later is also an exclusive feature to iOS 16, meaning that iPhone owners will need to update their device to the latest operating system to have access to the software.

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