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

Chrome Autofill Now Supports Passport, Driver’s License and Vehicle Info

Soon, you’ll never need to remember anything ever again.

Computer users are accustomed to web browsers autofilling everything from names and addresses to credit card numbers. Now, Google Chrome is adding new enhanced autofill options that allow users to automatically populate fields for passports, driver’s licenses, and their vehicle’s license plate or VIN, Google said in a blog post on Monday.

Desktop users must choose to turn on the feature, which is called enhanced autofill. Otherwise, it stays off. To turn it on, open Chrome, and at the top right of your browser, select more, then settings, then autofill and passwords. Finally, choose enhanced autofill and turn it in.

Google says Chrome now can «better understand complex forms and varied formatting requirements, improving accuracy across the web.» The company also says that enhanced autofill will be «private and secure.»

This enhanced autofill update is available in all languages, and more data options will be supported in the coming months.

A representative for Google said the company had no additional comment.

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Chrome is a critical component in Google’s business. The web browser, currently the most popular in the world with a 73% market share, according to GlobalStats, provides the company with valuable user data that it uses to sell advertising. Advertising is how Google makes the majority of its revenues. New features help keep users loyal to Chrome, making it more difficult for them to switch to other browsers, including those from companies like Perplexity and OpenAI.

Technologies

Today’s NYT Connections: Sports Edition Hints and Answers for Nov. 4, #407

Here are hints and the answers for the NYT Connections: Sports Edition puzzle for Nov. 4, No. 407.

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. The Connections: Sports Edition puzzle makers will never run out of categories because they have discovered they can just pick one athlete and make a connections group out of four facts about that person. They do that today with the blue category, so if you don’t know that one player, you’re out of luck. If you’re struggling 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 show up in the NYT Games app but appears 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: Get up and go!

Green group hint: College hoops.

Blue group hint: Famous basketball player.

Purple group hint: Not fair, but…

Answers for today’s Connections: Sports Edition groups

Yellow group: Energy.

Green group: Men’s college basketball teams with the most championships.

Blue group: Associated with Damian Lillard.

Purple group: Foul ____.

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 energy. The four answers are pep, verve, vigor and zip.

The green words in today’s Connections

The theme is men’s college basketball teams with the most championships. The four answers are Kentucky, UCLA, UCONN and UNC.

The blue words in today’s Connections

The theme is associated with Damian Lillard. The four answers are 0, Dame Time, Trail Blazers and Weber State.

The purple words in today’s Connections

The theme is foul ____. The four answers are out, shot, territory and tip.

Technologies

Today’s NYT Mini Crossword Answers for Tuesday, Nov. 4

Here are the answers for The New York Times Mini Crossword for Nov. 4.

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.

Need some help with today’s Mini Crossword? There are a few tricky clues, so read on for the answers. And if you could use some hints and guidance for daily solving, check out our Mini Crossword tips.

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.