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 Strands Hints, Answers and Help for Jan. 9 #677

Here are hints and answers for the NYT Strands puzzle for Jan. 9, No. 677.

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

Today’s NYT Strands puzzle is a fun topic — but one of the answers describes something I’ve never heard of before. Also, some of the answers are difficult to unscramble, so if you need hints and answers, read on.

I go into depth about the rules for Strands in this story.

If you’re looking for today’s Wordle, Connections and Mini Crossword answers, you can visit CNET’s NYT puzzle hints page.

Read more: NYT Connections Turns 1: These Are the 5 Toughest Puzzles So Far

Hint for today’s Strands puzzle

Today’s Strands theme is: For cubs fans.

If that doesn’t help you, here’s a clue: Like Gentle Ben.

Clue words to unlock in-game hints

Your goal is to find hidden words that fit the puzzle’s theme. If you’re stuck, find any words you can. Every time you find three words of four letters or more, Strands will reveal one of the theme words. These are the words I used to get those hints but any words of four or more letters that you find will work:

LAIR, RAIL, CROP, LAID, BALD, DEAN, BROW, DIZZY

Answers for today’s Strands puzzle

These are the answers that tie into the theme. The goal of the puzzle is to find them all, including the spangram, a theme word that reaches from one side of the puzzle to the other. When you have all of them (I originally thought there were always eight but learned that the number can vary), every letter on the board will be used. Here are the nonspangram answers:

BLACK, BROWN, GRIZZLY, PANDA, POLAR, SPECTACLED (That last one is the one I’ve never heard of! But it’s real!)

Today’s Strands spangram

Today’s Strands spangram is BEARSINMIND. To find it, start with the B that’s five rows to the right and three letters down, then wind up, over and down the whole far-right row.

Don’t miss any of our unbiased tech content and lab-based reviews. Add CNET as a preferred Google source.

Toughest Strands puzzles

Here are some of the Strands topics I’ve found to be the toughest.

#1: Dated slang. Maybe you didn’t even use this lingo when it was cool. Toughest word: PHAT.

#2: Thar she blows! I guess marine biologists might ace this one. Toughest word: BALEEN or RIGHT.

#3: Off the hook. Again, it helps to know a lot about sea creatures. Sorry, Charlie. Toughest word: BIGEYE or SKIPJACK.

Technologies

Today’s NYT Mini Crossword Answers for Friday, Jan. 9

Here are the answers for The New York Times Mini Crossword for Jan. 9.

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? The Across clues were kind of tough today. Read on for all 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.

Mini across clues and answers

1A clue: Question in a late-night text
Answer: YOUUP

6A clue: Plentiful
Answer: AMPLE

7A clue: Saint ___ and Nevis (Caribbean nation)
Answer: KITTS

8A clue: Baby-bringing bird
Answer: STORK

9A clue: Take care of the tab
Answer: PAY

Mini down clues and answers

1D clue: Himalayan herbivores
Answer: YAKS

2D clue: Fail to include
Answer: OMIT

3D clue: «High five!»
Answer: UPTOP

4D clue: The «U» of UV rays
Answer: ULTRA

5D clue: Annoying to deal with
Answer: PESKY

Don’t miss any of our unbiased tech content and lab-based reviews. Add CNET as a preferred Google source.

Technologies

I Got Up Close and Personal With Boston Dynamics’ New Atlas Robot

Before Atlas takes its first steps into the world of work later this year, I found myself face-to-face with CES 2026’s most talked-about robot on the show floor.

When I say that I went hands-on with the new Boston Dynamics Atlas robot, I mean that I actually held hands with it. This humanoid robot, which CNET just awarded the Best Robot of CES Award, is one of the most advanced in the world, and I couldn’t pass up the opportunity to get up close and personal with it.

This product version of the robot, which is set to be shipped to Hyundai factories imminently to start working, has been the talk of CES this year. The specific Atlas robot I encountered was a static model that wasn’t turned on or fully operational. Our interactions were, therefore, sadly one-sided. Still, I ran my hands over its soft-touch plastic shell and gently prodded at its finger joints, wondering how it would feel if they gripped me back.

People tend to have varying feelings about humanoid robots — understandable given that they are built to some degree in our image, while also usually being stronger than us, with «brains» that we don’t fully understand. Atlas definitely evokes contradictory emotions for me — even more so when I stood face-to-face with it.

I’m in awe of the engineering, a little fearful of its capabilities, hesitant about what it could mean for the future of humanity and charmed by its design and styling. The periwinkle blue iteration of Atlas that I met on the show floor at CES 2026 almost bears more resemblance to a Dyson product than it does the industrial robots that defined Boston Dynamics’ early days, when it was best known for its work with DARPA.

«There’s a lot of really specific things about this robot that probably look a little weird,» said Zachary Jackowski, Boston Dynamics VP and general manager of Atlas. He pointed to the legs, which he described as «like nothing anyone else was doing.»

Atlas’ thighs are narrow set and in line with the torso, while the calves are wider set, attached to their upper counterparts with a circular joint. This robot is, in fact, all subtle curves and soft lines. There are no harsh edges or stark angles.

During a year when CES has been flooded with humanoid robots, Atlas definitely does stand out due to its design. It appears both less classically human and less industrial than some of its peers, while also lacking the often intimidating, featureless faces they tend to exhibit. Instead, it has two low-set cameras resembling eyes placed where you’d usually expect a mouth to be. Its face is a perfect flat circle, defined by an LED halo that gives it a somewhat Pixar lamp effect.

I asked Jackowski why Boston Dynamics decided to skew so relatively unhuman with this version of its humanoid. «Well, it’s not a human,» he said. «It projects the wrong first impression about a robot to have it pretend to be something that it’s not.»

Particularly in the early days of humanoids, he added, robots won’t have anything like human-like intelligence. People should look at it and see it for what it is — a tool for performing tasks safely and efficiently.

In fact, most of the design decisions were made to keep Atlas as simple, scalable and safe as possible, Jackowski said. I remark that there’s some irony in thinking of a humanoid robot as simple, given the complexity of the technology and development process to bring Atlas to life.

The key to making it simple, Jackowski said, is having a strong enough grasp of the technology to «accomplish the complex thing of building a humanoid robot,» but then being able to take it apart and understand that you can use fewer computers and actuators in it while achieving the same results.

And it’s essential to Boston Dynamics that Atlas is perceived as simple. After all, it’s a general-purpose humanoid, which might eventually be sent far and wide to fulfil all manner of roles. Jackowski calls it the «ultimate generalist.»

Simplicity aside, there are aspects of Atlas that Jackowski believes set it apart from other humanoids at the show. «The repairability of this robot is crazy good,» he said. «The runtime is crazy good. The strength is unlike anything.»

From working in Hyundai’s manufacturing plants, Atlas’s job trajectory is to eventually graduate to many of the same industrial environments where Boston Dynamics’ Spot robot works, before moving to bussing tables in the service industry and eventually into the home. The robot will evolve between now and then, Jackowski said. However, this could be an early glimpse of the type of humanoid that will eventually be our housemate.

That’s some way away, though, which is probably for the best. As I gaze up at Atlas, which I’d guess is around the same height as my husband, my feeling is that, however impressive Atlas is, I’m still not ready for it to move in.