Technologies
Apple Pay Later Lets You Finance Purchases Up to $1,000: How It Works
The buy now, pay later option is open to «select users.» Here’s everything to know before trying it.
Apple joined the buy now, pay later game this week. A «prerelease version» of the long-awaited Apple Pay Later service 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.»
Originally, Apple Pay Later was supposed to roll out at the end of 2022, after it was announced at Apple’s WWDC event last year. However, the product’s launch was delayed due to «significant technical and engineering challenges,» per Bloomberg.
Apple’s new payment service comes at a time when many retailers are accepting payments from BNPL apps such as Affirm, Klarna and Afterpay. Here’s what you need to know about the payment plan, how it works and when it will be open to 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’ll be due.
A sample payment schedule on Apple Pay.
AppleStores 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 — 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.


You can now digitize and store your driver’s license in Apple’s Wallet app.
AppleThese 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
Need Gift Ideas? Google’s Holiday 100 Shopping List Includes Switch 2, Home Movie Projectors
You can shell out hundreds for a new gaming console or spend less on classic games and backpack charms.
The spooky season has just ended, and Google is already turning its attention to holiday shopping. The search giant just released its annual list of 100 top holiday gift ideas based on the hottest trends of 2025.
The Google Holiday 100 list is an annual shopping guide compiled from searches for various products conducted between May and September. Using that data, Google creates a catalog of the year’s top trending gift ideas across various industries, including tech, toys, fashion and wellness. You can view the entire Google Holiday 100 list here.
Don’t miss any of our unbiased tech content and lab-based reviews. Add CNET as a preferred Google source.
Nintendo Switch 2
This year’s breakaway technology hit was the Switch 2, Nintendo’s latest family-friendly video games console. Unsurprisingly, it appears on 2025’s Holiday 100 list. The console was released in June and has sold more than 10 million units thus far, with Nintendo hiking up sales expectations even among uncertain economic conditions and tariff pricing.
Google Pixel Watch 4
The Google Pixel Watch 4 is a standout wearable that made the Holiday 100 list. Its inclusion isn’t just Google stuffing its own product into a list. If you’re buying a gift for fitness-focused folks, CNET’s Vanessa Hand Orellana wrote that the latest iteration of Google’s smartwatch «hits a sweet spot between universally appealing design, seamless compatibility with the Android ecosystem, potentially life-saving safety features and robust health and fitness tracking.»
Red-light face masks
Your algorithm may have served you up a boatload of red light therapy content from health and beauty influencers this year. Search volume for red light masks has spiked in the past few months, so the LED masks have been included in the Holiday 100 buying guide this year. Just make sure to purchase one of the best FDA-approved masks.
Movie projectors to backpack charms
If you’re looking for gifts across other categories, Google has some top 2025 searches for big and small. Home theaters are apparently in this year, as searches for movie projectors spiked by a whopping 945%. Searches for backpack charms also hit an all-time high this year, so those are a safe bet for stocking stuffing for any young kids.
Checkers (the actual board game)
Even though many gifts given out at Christmas this year will surely be high-tech gadgets and accessories, the board game of checkers is also on the list. There’s always room for the classics.
As you prepare for the Herculean task of yearly holiday shopping, Google’s Holiday 100 is a good place to start. But if you’re looking to beat the crowd on the best tech deals around, CNET is already collecting pre-Black Friday deals.
Technologies
Look Up Tonight to Spot November’s Supermoon, the Brightest Moon of 2025
Has the moon been looking brighter and bigger to you for the past few days? Here’s why this month’s supermoon is even more super.
It’s already a great month for skygazers, with a trio of meteor showers and the return of the northern hemisphere winter constellations. On Tuesday night, it also features the second of four supermoons in a row. This month’s supermoon will happen on Nov. 4-5, and November’s beaver moon is special because it’ll be the brightest full moon of 2025.
In addition to being a supermoon, November’s full moon is known as the beaver moon. There is some debate as to why it was named this way. Some believe that this was the best time of year in the old days to set beaver traps to get pelts for winter clothing. Others believe that it coincides with the busiest part of the year for beavers, who are now stocking their lodges with supplies for the upcoming winter.
Here’s what time it’ll look its biggest and brightest, and what else you need to know about the November supermoon.
Don’t miss any of our unbiased tech content and lab-based reviews. Add CNET as a preferred Google source.
The brightest supermoon: When’s the best time to see it?
The moon will reach peak illumination at 8:19 a.m. ET on Nov. 5, making the evening of Nov. 4 and the morning of Nov. 5 the best times to view the moon.
Since moon phases shift slowly, the moon will appear almost full for nearly a week. If you are unable to view the full moon on its best night due to weather or other reasons, you can still see a mostly full moon at any point from Nov. 3 to Nov. 8.
For all of those days, the moon will be measurably brighter in the night sky compared to any other full moon in 2025. The reason for this is because of the moon’s elliptical orbit. Since it’s not a perfect circle, the moon’s 27.3-day journey around the Earth brings it closer to us on some days, a phenomenon known as perigee. If there is a full moon during this time, it’s branded as a «perigean full moon,» which you may know better as a supermoon.
Not all supermoons are equal, and November’s will be a little more special than others. According to The Farmer’s Almanac, the beaver moon will be a scant 221,817 miles away from Earth, making it the closest full moon of the year. That means it’ll be the biggest and brightest of the year.
In practice, the differences are fairly minor and likely won’t be visible to the naked eye when compared side by side to other supermoons. A supermoon is only about 7% larger than a regular full moon. According to NASA, the biggest difference is when comparing a supermoon to a micromoon, where a supermoon will be about 14% larger and 30% brighter. So, if you notice that your backyard patio is lit up more than usual, it’s because of the supermoon.
Also due to the moon’s orbit, November will also bring a micro new moon, which means the moon will be as far away from the Earth as it can get — a phenomenon known as apogee. November’s new moon occurs on Nov. 20, but you won’t be able to see it.
Technologies
Stay Informed About Your Flights This Holiday Season With Your iPhone’s Tracker
Your iPhone is hiding a flight tracker. Here’s how it works.
Thanksgiving is only a few short weeks away and if you plan on flying during the holiday season, keeping up-to-date on changes to your flights is crucial. Airports can be hectic during any holiday, but with the government shutdown continuing, flights are liable to change or be cancelled more often.
Luckily, it’s never been easier to get up-to-date information about your flight. For starters, your airline probably has an app, and if not, you can check its website. If you’re in a hurry, you can Google the flight number. Or you can just use your iPhone’s built-in flight tracker that’s sneakily tucked away.
That’s right: Your iPhone has a flight tracker that you may have never known about. It’s there for when it’s needed. Below, we’ll show you have to access it in not one, but two places, so you never have to go hunting for your flight info elsewhere again.
Don’t miss any of our unbiased tech content and lab-based reviews. Add CNET as a preferred Google source on Chrome.
For more on the iPhone, check out everything Apple announced at WWDC 2025.
How to track your flight via iMessage
Before we start, there are a few prerequisites you must meet:
- Make sure iMessage is enabled (it doesn’t work with SMS/MMS).
- You’ll need your flight number somewhere in your text messages, whether you’ve sent that information to someone (even yourself) or it’s been sent to you.
- The flight number must be sent in this format: [Airline] [Flight number], for example, American Airlines 9707.
Launch the native Messages app on your iPhone and open the text message thread that contains your flight information. You’ll know the flight tracker feature works when the text with the flight information appears underlined, which means it’s actionable and you can tap on it.
If your flight is still several months away or it’s already passed, you might see a message that says, «Flight information unavailable.» You might also see another flight that’s not yours because airlines recycle flight numbers.
You can check your flight status from Spotlight Search, too
If getting your flight information from Messages wasn’t easy enough, you can also grab the details right from your iPhone’s home screen by swiping down and adding your flight number into Spotlight Search. Even better, this works with Spotlight Search on your Mac computer, too.
How to access the hidden flight tracker
Although the airline name/flight number format highlighted above is the best way to go, there are other texting options that will lead you to the same result. So let’s say we stick with American Airlines 9707, other options that may bring up the flight tracker include:
- AmericanAirlines9707 (no spaces)
- AmericanAirlines 9707 (only one space)
- AA9707 (airline name is abbreviated and no space)
- AA 9707 (abbreviated and space)
I would suggest you keep the airline name spelled out completely and add a space between the two pieces of information — like in the previous section — because for some airlines, these alternative options may not work.
Real-time flight tracking
Once everything is set, tap on the flight information in your text messages. If the feature works correctly, you should see the following two options appear in a quick-action menu:
- Preview Flight: View the flight’s details. Tap this to view more information about the flight.
- Copy Flight Code: Copy the flight code to your clipboard (in case you want to send your flight details to someone else via text or email).
If you select Preview Flight, at the top of the window, you’ll see the best part of this feature: a real-time flight tracker map. A line will connect the two destinations, and a tiny airplane will move between them, indicating where the flight is at that exact moment.
Underneath the map, you’ll see important flight information:
- Airline name and flight number
- Flight status (arriving on time, delayed, canceled, etc.)
- Terminal and gate numbers (for arrival and departure)
- Arrival and departure time
- Flight duration
- Baggage claim (the number of the baggage carousel)
If you swipe left on the bottom half of the flight tracker, you can switch between flights, but only if there’s a return flight.
For more travel tips, don’t miss our test on whether AI can help you fly more sustainably.
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