Technologies
Apple Pay Later Rolls Out on iPhones. Here’s What It Means for You
Select users can now quickly finance purchases up to $1,000.

Apple has thrown its hat into the buy now, pay later ring. Its long-awaited Apple Pay Later service was «prereleased» this week, but only for «select users.»
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
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Technologies
WWE 2K25 Jumps From the Top Rope Onto PlayStation Plus in September
Subscribers will also be able to play a turn-based strategy Persona game.

«The American Nightmare» Cody Rhodes, son of one of the greatest pro wrestlers of all time, «The American Dream» Dusty Rhodes, is the current undisputed WWE champion. And PlayStation Plus subscribers can bring Rhodes down a peg or help establish a new wrestling dynasty with the champion beginning on Sept. 16 in WWE 2K25.
PlayStation Plus is Sony’s version of Xbox Game Pass, and it offers subscribers a large and constantly expanding library of games. There are three PlayStation Plus tiers — Essential ($10 a month), Extra ($15 a month) and Premium ($18 a month) — and each gives subscribers access to games. However, only Extra and Premium tier subscribers can access the PlayStation Plus Game Catalog.
Here are all the games PS Plus Extra and Premium subscribers can access starting on Sept. 16. You can also check out the games all PS Plus subscribers can play in September, including Psychonauts 2.
Don’t miss any of our unbiased tech content and lab-based reviews. Add CNET as a preferred Google source.
WWE 2K25
Take control of your favorite superstar from the men’s and women’s divisions in this knockdown, dragout wrestling game. Become one of over 300 wrestlers from today and years past, like Rhea Ripley and Andre the Giant. This entry in the series also introduces intergender wrestling matches, barricade diving and new brawl environments where you can get over or turn heel.
Persona 5 Tactica
Join the Phantom Thieves in this real-time strategy game set in the Persona universe. You and the group wander into a bizarre realm where people are living under tyrannical oppression, and you cross paths with a revolutionary named Erina. Now you’re in cahoots with the rebels as you try to free an oppressed people and find your way back home.
Other games on PS Plus
Those are a few of the games Sony is bringing to PlayStation Plus, and subscribers can play these games as well starting on Sept. 16.
*Premium subscribers only.
For more on PlayStation Plus, here’s what to know about the service and a rundown of PS Plus Extra and Premium games added in August. You can also check out the latest and upcoming games on Xbox Game Pass and Apple Arcade.
Technologies
Little Nightmares 3 Hands-On: a Creepy Co-Op Game Arriving Just in Time for Halloween
The sequel adds cooperative play with all the haunting hallmarks of the earlier games.

After about an hour playing Little Nightmares 3, I’d used a person’s bisected halves to solve a puzzle, gotten a high score in a carnival shooting game and escaped the murderous claws of a deranged baby. As a 2-foot-tall youth trying to survive the morbid dangers of one demented area after another with my co-player, I was terrified and delighted.
I’ve only sampled the first two Little Nightmares games, but in my brief preview of Little Nightmares 3, it felt like a refined version of the series’ premise: small protagonists endangered by a large, grim world filled with traps to evade, puzzles to solve and horrid, lethal enemies to outwit. Take the scale of the animated horror movie 9, mix it with the darkest of stop-motion director Henry Selick’s maudlin settings and let players enjoy the haunting ride, room by perilous room.
This time, players aren’t alone. In Little Nightmares 3, developed by Supermassive Games, two players (or one and an AI companion) choose between characters Low (a bird-masked boy with a bow) and Alone (a girl with a jumpsuit and a wrench), who rely on each other and get out of rooms using their unique tools or just good ol’ fashioned teamwork. Sometimes this means pushing a box for the other to jump on, but other obstacles require rather complex puzzle-solving.
In the game, Low and Alone seek to escape the bleak Nowhere and its roulette of dystopian lands. My preview was limited to one of these areas — Carnevale, a demented circus where our small characters had to sneak under the feet of grotesque, ambling workers (or their corpses, tied up or swinging for the sport of their fellows). When we thought we were safe, possessed puppets sprinted after us until we could team up to knock their wooden heads off and crush them. Being noticed by anyone meant our demise, requiring frantic cooperation amid the anxious stakes of rather gruesome deaths.
It’s this tension and the dour setting that sets Little Nightmares 3 apart from other co-op games like the more excitable and dynamic Split Fiction released earlier this year, a rollercoaster flipbook of game genres that made for a breathless if not terribly coherent experience. In contrast, the section of Little Nightmares 3 I played unfolded like a series of grim vignettes that rely on its pleasingly goth trappings as much as working together with your friend (or computer teammate) to progress.
Surviving your little nightmares
While I got only an hour with the game, Little Nightmares 3 seems to iterate on rather than innovate away from its predecessors: Expect more of the same in new, grotesque settings, just with the welcome addition of tightly designed teamwork dynamics. For fans of the series, this is likely a good thing. There’s not much else like Little Nightmares.
The Carnevale stage I played through opened up with rain pelting red-and-white circus tent tops, which I as the masked Low (and someone from Bandai Namco who kindly played as the jumpsuit-wearing Alone) skittered between. Lumbering above us were brutish factory workers seeking escape at the funfair, which very quickly turned sinister as we very shortly saw some hanging tied-up as others took turns beating them like a piñata. We entered one room to find one worker in connected boxes as the subject of a magician’s saw-in-half trick…which was no trick, as we had to separate the halves to climb out of a window. I tried, and failed, to ignore the viscera slopping out of the boxes.
While we hid from the human-size enemies, we had to fight the wooden puppets. Like Geppeto’s most horrid creations, they ambushed us in several rooms, requiring me to knock their heads off with Low’s bow and run away from their decapitated bodies while my teammate rushed forward to crush their heads with Alone’s wrench.
But most of the rooms are about solving puzzles, which could be as simple as moving a box for my teammate to jump up and pull a switch or figure out how a radio plays into a complex solution. While these quiet moments are a nice break from the tense combat or pursuit, they also give time to appreciate the macabre backgrounds: I ran past one room with a circle of empty tall chairs only to come back a few seconds later to find them filled with puppets, unmoving but watching.
And then there are the really, really tense moments. We moved from the carnival to the adjoining candy factory (apparently where all those brutes work) and up to the offices where the boss works, to find him asleep with the TV droning on in the darkness…and his frankly hideous baby nestled next to him. Naturally, we had to make noise, cranking open a grate, awakening the terrifying spawn who ran after us. After many, many failed escapes, my teammate and I discovered we had to scramble for a hiding place after making it past the grate.
This was perhaps the most frustrating part of the preview as we panicked looking for a solution to our deadly woes (as opposed to the slow, methodical gameplay earlier) — but that’s part of the tension, especially when adding a teammate to the mix. Ultimately, it was a hard-won lesson in patience. In the next room, a kitchen, the nightmarish baby banged a bowl on the table until the father walked over to a corpse (presumably his worker) and cut out some meat for his ghoulish child to eat.
In my short time with it, Little Nightmares 3 seems like a cooperative spooky storybook for players and their friends (but not couch buddies, sadly — it’s online co-op only) to experience. How much it lives up to previous games in the series, especially as developer Supermassive Games takes more of the reins from the franchise’s original creators Tarsier Games, is anyone’s guess. (Tarsier’s similar spiritual sequel to Little Nightmares, Reanimal, is coming in 2026.)
But as the air turns crisp and Halloween beckons, it’s the best time of the year for a creepy co-op game like Little Nightmares 3 to land.
Little Nightmares 3 comes out Oct.10, 2025, for PC, PS4, PS5, Xbox One, Xbox Series X/S, Nintendo Switch and Nintendo Switch 2.
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