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.

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 — 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.

Apple

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 Connections: Sports Edition Hints and Answers for April 8, #562

Here are hints and the answers for the NYT Connections: Sports Edition puzzle for April 8 No. 562.

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

Today’s Connections: Sports Edition is a tough one. If you’re struggling with today’s puzzle but still want to solve it, read on for hints and the answers.

Connections: Sports Edition is published by The Athletic, the subscription-based sports journalism site owned by The Times. It doesn’t appear in the NYT Games app, but it does in The Athletic’s own app. Or you can play it for free online.

Read more: NYT Connections: Sports Edition Puzzle Comes Out of Beta

Hints for today’s Connections: Sports Edition groups

Here are four hints for the groupings in today’s Connections: Sports Edition puzzle, ranked from the easiest yellow group to the tough (and sometimes bizarre) purple group.

Yellow group hint: Working out.

Green group hint: Cover your face.

Blue group hint: NFL players.

Purple group hint: Leap.

Answers for today’s Connections: Sports Edition groups

Yellow group: Exercises in singular form.

Green group: Sporting jobs that require masks.

Blue group: Hall of Fame defensive ends.

Purple group: ____ jump.

Read more: Wordle Cheat Sheet: Here Are the Most Popular Letters Used in English Words

What are today’s Connections: Sports Edition answers?

The yellow words in today’s Connections

The theme is exercises in singular form. The four answers are crunch, plank, situp and squat.

The green words in today’s Connections

The theme is sporting jobs that require masks. The four answers are catcher, fencer, football player and goaltender.

The blue words in today’s Connections

The theme is Hall of Fame defensive ends. The four answers are Dent, Peppers, Strahan and Youngblood.

The purple words in today’s Connections

The theme is ____ jump. The four answers are broad, high, long and triple.

Technologies

The $135M Google Data Settlement Site Is Live — See If You’re Eligible

Use the settlement website to select your preferred payment method, and you may end up $100 richer.

You can now file a claim in the $135 million Google data settlement. The case centers on claims that Android devices transmitted user data without consent. Specifically, the class action lawsuit Taylor v. Google LLC contends that Google’s Android devices passively transferred cellular data to Google without user permission, even when the devices were idle. While not admitting fault, Google reached a preliminary settlement in January, agreeing to pay $135 million to about 100 million US Android phone users.

The official settlement website for the lawsuit is now live. The final approval hearing won’t occur until June 23, when the court will consider whether Google’s settlement is fair and listen to objections. After that, the court will decide whether to approve the $135 million settlement.

In the meantime, if you qualify and want to be paid as part of the settlement, you can select your preferred payment method on the official website. There, you can find information on speaking at the June 23 court hearing and on how to exclude yourself or write to the court to object by May 29.

As part of the settlement, Google will update its Google Play terms of service to clarify that certain data transfers do occur passively even when you’re not using your Android device, and that cellular data may be relied upon when not connected to Wi-Fi. This can’t always be disabled, but users will be asked to consent to it when setting up their device.

Google will also fully stop collecting data when its «allow background data usage» option is toggled off.

Who can be part of the settlement?

In order to join the Taylor v. Google LLC settlement, you must meet four qualifications:

Be a living, individual human being in the US.
Have used an Android mobile device with a cellular data plan.
Have used the aforementioned device at any time from Nov. 12, 2017, to the date when the settlement receives final approval.
You’re not a class member in the Csupo v. Google LLC lawsuit, which is similar but specifically for California residents.

The final approval hearing is on June 23, so you can add your payment method until then. The hearing’s date and time may change, and any updates will be posted on the settlement website.

If you choose to do nothing, you will still be issued a settlement payment, but you may not receive it if you don’t select a payment method.

How much will I get paid?

It’s not currently known exactly how much each settlement class member will receive, but the cap is $100. Payments will be distributed after final court approval and after any appeals are resolved.

After all administrative, tax and attorney costs are paid, the settlement administrator will attempt to pay each member an equal amount. If any funds remain after payments are sent, and it’s economically feasible, they will be redistributed to members who were previously and successfully paid. If it’s not economically feasible, the funds will go to an organization approved by the court.

Technologies

Samsung’s Galaxy Watch Ultra 2 Might Come in 5G and 4G Cellular Models

If the rumor proves true, the 5G Galaxy Watch Ultra would rival the 5G-enabled $799 Apple Watch Ultra 3 that debuted last fall.

Samsung’s next high-end Galaxy Watch could support faster 5G speeds, but if this leak is true, it will depend on where you live. The rumored Samsung Galaxy Watch Ultra 2 might come in 5G and 4G cellular models, with availability for each smartwatch depending on the country.

According to the Dutch website Galaxy Club (and spotted by SamMobile), Samsung’s servers may have revealed a series of model numbers that point to 5G, 4G and Wi-Fi-enabled editions of the next Galaxy Watch Ultra, which would succeed the original model that debuted in 2024.

A representative for Samsung did not immediately respond to a request for comment.

The Galaxy Club website speculates that the 5G edition would be sold in the US and Korean markets, while the 4G edition would sell in the rest of the world. In the US, a 5G version of the Galaxy Watch Ultra would rival the 5G-enabled $799 Apple Watch Ultra 3, which debuted last fall. The 4G edition would have broader compatibility worldwide, since the earlier network is far more established.

It will likely be a few months until we hear anything official about the Galaxy Watch Ultra 2. Samsung typically unveils its new watches in the summer alongside its Galaxy Z Fold and Z Flip foldable phones. Last year, Samsung unveiled the Galaxy Watch 8 and the Galaxy Watch 8 Classic, but otherwise left the prior 2024 Ultra in the lineup for those looking for a larger 47mm smartwatch.