Technologies

How Apple’s New Buy Now, Pay Later Plan Works

A prerelease version of Apple Pay Later now lets select users quickly finance purchases up to $1,000.

Apple has finally launched its long awaited buy now, pay later plan — Apple Pay Later — but only for some iPhone owners.

In a press release Tuesday, Apple announced that a «prerelease version» of Apple Pay Later is now available for «select users.» The company didn’t specify which users or how many, though it says it «plans to offer it to all eligible users in the coming months.»

Apple Pay Later was first announced in June 2022 at Apple’s WWDC event and was expected to be released sometime in the fall of that year, but the product’s launch was delayed due to «significant technical and engineering challenges,» per Bloomberg. Apple’s new features page for iOS 16 still says that Apple Pay Later is «coming in a future update for qualifying applicants.»

Apple Pay is a feature within Apple Wallet, the iPhone’s digital wallet app that also includes Apple Card and Apple Cash. Apple Pay lets you save debit and credit cards electronically and make purchases online or in brick-and-mortar stores; Apple Card is a digital credit card issued by MasterCard and Goldman Sachs; and Apple Cash is a peer-to-peer payment service.

Apple’s entry into BNPL financing with Apple Pay Later comes at a time when many retailers are accepting payments from BNPL apps such as Affirm, Klarna and Afterpay. Most of these apps provide similar short-term interest-free payment plans, while a few offer longer installment plans with variable interest rates.

Learn everything there is to know about Apple Pay Later, including how it works, where it is accepted and when it will be available for all iPhone users.

For more on iPhones, learn all the cool new features in iOS 16.4 and 22 iPhone settings you should change right now.

How do I use Apple Pay Later?

Apple Pay Later lets you break the cost of purchases into four equal payments spread over six weeks. The first payment is due when you make your purchase, and the remaining payments are due every two weeks after that.

Once Apple Pay Later is set up on your phone, you have two options when completing a purchase: Pay in Full and Pay Later. Selecting the latter option will bring up a payment schedule displaying the amount of each of the four payments and when they will be due.

Stores and merchants don’t have to implement any changes in order to accept payments through Apple Pay Later. Transactions occur as they did before — the only difference will lie in how back-end payments are made. Apple Pay Later will work with any merchants who accept Apple Pay.

MasterCard Installments, the credit card company’s white-label BNPL service, is providing the merchant payments for Apple Pay Later. Apple has created its own financial subsidiary — Apple Financing LLC — that handles loan approvals and credit checks. Banking partner Goldman Sachs is the official loan issuer.

Payments for Apple Pay Later must be made with a debit card; you can’t use a credit card. You can set up automatic payments or make additional payments at any time. Each BNPL purchase will be reviewed and approved or rejected using a soft credit check.

Apple Pay Later has no plan to charge fees for late payments, though it may use late payments as an excuse to reject future BNPL loans. The minimum purchase for Apple Pay Later is $50; the maximum is $1,000.

When can I use Apple Pay Later on my iPhone?

If you’re one of the «select users» to receive an invite from Apple, you can start using Apple Pay Later now. For the rest of us, based on the wording in Apple’s press release, Apple Pay Later will likely be enabled for all Apple Wallet users in a future update to iOS.

Apple has already released four point upgrades since iOS 16 launched in September 2022. The first update — iOS 16.1 — came in October 2022; the second — iOS 16.2 in December 2022; the third — iOS 16.3 — in January 2023; and the fourth — iOS 16.4 — in March 2023.

Based on that bimonthly release schedule, all Apple Wallet users can probably expect access to Apple Pay Later some time in May 2023.

How is Apple Pay Later different from Apple Card Monthly Installments?

Apple Card Monthly Installments is an Apple program that lets you finance the purchase of certain Apple products when using the Apple Card credit card. The length of the 0% APR period for these purchases depends on the product. Installment plans range from six months to two years.

Apple Pay Later isn’t restricted to Apple products, nor does it require the use of the Apple Card. With Apple Pay Later, you can finance any purchases from $50 to $1,000 using a debit card, as long as it’s connected to Apple Wallet. Also, the interest-free installment period for Apple Pay Later — six weeks — is much shorter than the payment plans offered by Apple Card Monthly Installments.

What other Apple Wallet features were added in iOS 16?

One new Apple Wallet feature that launched with iOS 16 is Apple Pay Order Tracking, which adds the ability for merchants to provide detailed receipts and delivery statuses for purchased products to customers via Apple Wallet.

Apple also expanded support in Apple Wallet for driver’s licenses and identification cards. Following IDs from Colorado and Arizona, Apple Wallet plans to add support for 11 more states.

These driver’s licenses can be used at select Transportation Security Agency checkpoints. They can also be shared with other apps that require identification, such as alcohol purchases through Uber Eats.

Apple Wallet has also added support for sharing keys for locations such as hotels, offices or automobiles. New features let users share keys with friends or associates using email, text messaging or other messaging apps.

What other online services let you buy now and pay later?

Some existing online payment systems provide buy now, pay later short-term financing similar to what Apple Pay Later is offering. PayPal’s Pay in 4 program works very much like Apple Pay Later, except that purchases are limited to between $300 and $1,500.

BNPL app Sezzle also uses a system of four payments over six weeks, but permits users to reschedule one payment for up to two weeks later at no cost and postpone further payments for an additional fee.

Other BNPL apps such as Affirm and Klarna offer interest-free installment plans for short periods, or longer installment plans that add a variable interest rate.

Technologies

Today’s NYT Mini Crossword Answers for Friday, Aug. 1

Here are the answers for The New York Times Mini Crossword for Aug. 1.

Looking for the most recent Mini Crossword answer? Click here for today’s Mini Crossword hints, as well as our daily answers and hints for The New York Times Wordle, Strands, Connections and Connections: Sports Edition puzzles.

I love it when the Mini Crossword is playful. The 4-Across and 5-Across clues are a lot of fun, and the clue for 1-Across is just plain adorable. It brought a little extra sparkle to my crossword experience. Looking for a hand with today’s Mini Crossword? Read on. And if you could use some hints and guidance for daily solving, check out our Mini Crossword tips.

The Mini Crossword is just one of many games in the Times’ games collection. If you’re looking for today’s Wordle, Connections, Connections: Sports Edition and Strands answers, you can visit CNET’s NYT puzzle hints page.

Read more: Tips and Tricks for Solving The New York Times Mini Crossword

Let’s get to those Mini Crossword clues and answers.

Mini across clues and answers

1A clue: Arm-y greeting
Answer: HUG

4A clue: Undiluted … or a country with its vowels swapped
Answer: PURE

5A clue: Ballroom dance … or a country with its vowels swapped
Answer: TANGO

6A clue: Played a role
Answer: ACTED

7A clue: Eisenberg of «The Social Network»
Answer: JESSE

Mini down clues and answers

1D clue: Ketchup brand
Answer: HUNTS

2D clue: Eggs on
Answer: URGES

3D clue: Crystal-lined rock
Answer: GEODE

4D clue: Marathoner’s concern
Answer: PACE

5D clue: ___ Mahal
Answer: TAJ

Technologies

High Noon Recalls Alcoholic Drinks Mislabeled as Celsius. What to Do if You Were Impacted

This packaging label mishap could lead to unintentional alcohol consumption. Here’s how to check if you bought these cans.

High Noon has issued a recall on two of its Beach Variety packs because of the presence of alcohol in the wrong type of cans. Within these 12-packs of High Noon Beach Variety packs there may be some Celsius-labelled cans — which should contain an energy drink — that were shipped out with High Noon vodka seltzer inside them.

Cans that are filled with High Noon’s vodka seltzer are mislabeled as Celsius Astro Vibe Energy Drink, Sparkling Blue Razz Edition, and have a silver top instead of a black top. High Noon discovered the error after receiving a shipment of empty Celsius cans instead of empty High Noon cans, according to a statement.

Distributors shipped these drinks to Florida, New York, Ohio, South Carolina, Virginia and Wisconsin between July 21 and July 23.

Here’s which lot codes were impacted and what to do if you bought these cans.

What to do if you were impacted by High Noon’s drink recall

High Noon advises people who bought the following codes of Celsius Astro Vibe Energy Drink, Sparkling Blue Razz Edition not to consume it and to discard it. The lot codes are L CCB 02JL25 2:55 to L CCB 02JL25 3:11. Other High Noon variety packs should not be affected.

High Noon reported that no illnesses or events occurred as a part of the mislabeling. If you’ve purchased the impacted drinks, contact High Noon Consumer Relations at consumerrelations@highnoonvodka.com for next steps and refunds. The recall is being conducted with the US Food and Drug Administration and the Alcohol and Tobacco Tax and Trade Bureau.

CNET reached out to High Noon for comment but did not receive an immediate response.

Technologies

How to Join the Battlefield 6 Open Beta: Early Access Sign Up and Weekend Dates

The next Battlefield game is getting a public beta next weekend. Tune into your favorite streamer to get into it.

EA’s DICE studio has blown the lid off the multiplayer for its upcoming military shooter Battlefield 6, and players will soon get to join the fray themselves. A Battlefield 6 public beta is coming on two consecutive weekends starting Aug. 9 — and if you’re lucky enough to get in Early Access, to play starting Aug. 7 — and here’s how to join.

The Battlefield 6 open betas will be the first chances for players to get to experience the game’s multiplayer before its full release Oct. 10. The first open beta weekend will start at 1 a.m. PT Aug. 9 through Aug. 10 and the second will kick off at 1 a.m. PT Aug. 14 and run through Aug. 16. Fans can visit Battlefield’s website to get info for the open beta, which just requires linking your EA account to your platform account.

Note that publisher EA hasn’t provided a specific sign-up for the beta just yet but it will be open to all players. We’ll update this post if or when EA provides specific instructions for signing up but we do know the open beta can be pre-downloaded on respective platforms starting Aug. 4.

The beta will be playable on PC, PS5 and Xbox Series X/S.

How to get Battlefield 6 open beta early access

There is one way to secure your spot in the open beta a couple days early on Aug. 7: Watch your favorite streamer playing Battlefield 6 today (July 31), as explained in an official post on X. You can watch on the official Battlefield Twitch or on a participating creator’s channel but you’ll have to do it fast as the event ends at 4:30 p.m. PT.

Here are the steps:

Sign into your Twitch account.
Make sure you have drops enabled and the Battlefield 6 Early Access Beta Key Drops selected from among the drops campaigns list.
Watch a single streamer participating in the Battlefield 6 Early Access Beta Key Drops for 60 minutes — if you’re having trouble finding one, search for «Battlefield 6» and look for streams that include «Beta Key Drops» or often just «Drops» in their titles.
Once earned, find your beta key access in your Drops Inventory.

Players who have participated in Battlefield Labs, studio DICE’s pre-release feedback program for the game, will be granted early access to play the beta starting Aug. 7.

Studio DICE didn’t detail which modes, weapons and other options will be playable in the open beta but it did confirm that «Closed Weapons» modes that restrict certain guns to certain classes will be available to try out. If the preview is anything to go by, players will be able to load up a handful of multiplayer modes, like Conquest, Squad Deathmatch and Breakthrough, on maps like Siege of Cairo, Empire State and Liberation Peak.

Battlefield 6 open beta dates

August 7-8: Early access, starting at 1 a.m. PT on Aug. 7
August 9-10: First open beta weekend available to all, starting at 1 a.m. PT on Aug. 9 and closing Aug. 11 at 1 a.m. PT.
August 14-16: Second open beta weekend available to all, starting at 1 a.m. PT on Aug. 14 and closing Aug. 17 at 1 a.m. PT.

PC specific notice for Battlefield 6 beta

A special note if you haven’t played a Battlefield game on PC recently: Studio DICE and EA recently started requiring players to set their computers to Secure Boot when playing Battlefield games to combat cheaters, and Battlefield 6 is no different. To even play the open beta, you’ll need to delve into your BIOS and switch your PC to Secure Boot — check EA’s guide for help.