Technologies

How Apple’s New Buy Now, Pay Later Plan Works

A prerelease version of Apple Pay Later now lets select users quickly finance purchases up to $1,000.

Apple has finally launched its long awaited buy now, pay later plan — Apple Pay Later — but only for some iPhone owners.

In a press release Tuesday, Apple announced that a «prerelease version» of Apple Pay Later 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.»

Apple Pay Later was first announced in June 2022 at Apple’s WWDC event and was expected to be released sometime in the fall of that year, but the product’s launch was delayed due to «significant technical and engineering challenges,» per Bloomberg. Apple’s new features page for iOS 16 still says that Apple Pay Later is «coming in a future update for qualifying applicants.»

Apple Pay is a feature within Apple Wallet, the iPhone’s digital wallet app that also includes Apple Card and Apple Cash. Apple Pay lets you save debit and credit cards electronically and make purchases online or in brick-and-mortar stores; Apple Card is a digital credit card issued by MasterCard and Goldman Sachs; and Apple Cash is a peer-to-peer payment service.

Apple’s entry into BNPL financing with Apple Pay Later comes at a time when many retailers are accepting payments from BNPL apps such as Affirm, Klarna and Afterpay. Most of these apps provide similar short-term interest-free payment plans, while a few offer longer installment plans with variable interest rates.

Learn everything there is to know about Apple Pay Later, including how it works, where it is accepted and when it will be available for 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 will 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 LLC — 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.

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

I Tried This $40 Smartwatch: It Was Meh, but Not a Complete Waste of Time

The WITHit Giga does the basics for a lot less, but at the expense of accuracy and attention to detail.

I wasn’t expecting much when I first strapped the WITHit Giga Smartwatch onto my wrist, and at least it delivered on that. This $40 smartwatch does the basics: shows notifications, counts your steps, tracks your heart rate (sort of) and lets you take calls from your wrist. But the execution of all these features is where it all starts to fall apart, and I found myself getting exactly what I paid for.

After spending a week testing it, I came away with this: If you just want a basic smartwatch that works with both Android and iPhone, tells the time, tracks your steps and surfaces notifications, this will get the job done, just don’t expect accuracy. But if you can stretch your budget even a little, something like the $75 Amazfit Bip 6 offers more accurate tracking, a more refined design and more reliable performance.

Design and UI: big, bulky, and basic

The WITHit Giga is about as no-frills as smartwatches come. It looks like an Apple Watch Ultra impersonator: metallic frame around a rectangular screen, rounded edges and even Apple Watch-like icons inside. But that’s where the similarities end.

If your wrist is on the smaller side like mine (I have a 6-inch wrist), brace yourself because this is going to look huge. The Giga’s 48.5mm case is overpowering, and there’s no smaller size option. On my wrist, it felt bulky and out of place, and the thick, textured silicone bands definitely didn’t help matters.

The 2.04-inch AMOLED display is decent with a 386×448 resolution, but the screen brightness isn’t adaptive. You’ll need to manually adjust it, which means it’s almost too bright at night and borderline unreadable in direct sunlight unless you increase the brightness manually.

This watch runs its own proprietary system, syncs to the WITHit app and works with both Android and iOS. You’ll get notifications, basic fitness tracking, an always-on display (which in my testing drained the battery fast) and a speaker/mic combo for answering calls.

The UI is straightforward but lacks polish. Swiping right opens your favorites and the side button lets you quickly launch a workout. Animations feel slow and longer text scrolls in awkwardly to fit the screen.

Battery life: Not bad but there’s a catch

Battery life is one of the few things that holds up well here. I got about three days of use with the raise-to-wake option, and roughly a day and a half with the always on display enabled. That’s not bad for the price, and it’s actually better than even some flagship smartwatches.

But the manual comes with a big red flag: «Avoid fast chargers» and don’t overcharge. That’s not something you want to see in 2025, especially because at this point in my smartwatch charger collection I don’t know which one is fast, and which one is not, and the vague warning makes me think it’s going to explode if I make the wrong choice. Charging from an empty battery to full takes about two hours with the included magnetic charger. But once I left it charging overnight and I approached it with terror the next morning thinking I’d broken the «don’t overcharge» rule. Luckily, I came out unscathed.

Health and fitness tracking: lower your expectations

Workout tracking and wellness is where the cracks really show. Yes, the Giga technically tracks heart rate, blood oxygen (SpO2), sleep, stress and menstrual cycles. But the accuracy is questionable at best.

During workouts, heart rate measurements were consistently off when compared to a chest strap and even other wrist-based trackers. The post workout HR average was close enough, but the metrics during the workout were noticeably off. For example, as I was sitting on my Pilates reformer (completely sedentary) starting a workout on the watch, the screen already read «100bpm», while the chest strap and Apple Watch had me at 65 bpm. This made me skeptical of even the resting heart rate readings.

Sleep tracking only works between 10 p.m. and 8 a.m., meaning night shift workers or anyone with an irregular schedule (like this late-night writer) is out of luck.

Sleep stats are also confusing; instead of clear sleep stages or hours of sleep, you get odd comparisons like «fewer than 26% of people in your age group go to sleep this late.» Not exactly sure what I should do with this information.

Menstrual tracking is purely manual, based on averages, with no biological marker detection like temperature tracking. You can’t even log a period directly from the watch and have to do it from the app.

Other smartwatch features

Calls: As long as your phone is within range, you can answer and make phone calls from the watch with its speaker and mic, but clarity is an issue.
Texting: You can see texts from messaging apps, but you can’t reply or even send a prewritten response (when paired to an iPhone).
Voice Assistant: Technically available, but is basically just a shortcut to activate your own phone’s assistant. You tap, and Siri or Google Assistant opens on your phone, not the watch. Not helpful.
Quick settings: Save your recently used apps in quick settings, which actually made flipping between features like workouts and music controls more convenient — this is a win.

Should you buy it?

The WITHit Giga does the bare minimum you’d expect from a smartwatch, but at the expense of accuracy and attention to detail. For $40, it’s a functional notification mirror with step tracking, call support and a splash of health features (if you’re looking for a general overview at best).

But if you can stretch your budget, something like the $80 Amazfit Bip 6 offers far better value, accurate health tracking, cleaner UI and better battery life.

Bottom line: If you keep your expectations low, and you’re just dipping your toes in the smartwatch waters for the first time, this might suffice. Otherwise, it’s worth paying more for something that feels less like a toy and more like a tool.

Technologies

Xbox Game Pass Adds Grounded 2 and Others This Month

Game Pass subscribers will also be able to play the new 90s-inspired horror game Abiotic Factor.

The award-winning, quirky survival game Grounded is like the game version of the classic ’80s comedy film Honey, I Shrunk the Kids. And Xbox Game Pass subscribers can get early access to that game’s sequel, Grounded 2, on July 29.

Xbox Game Pass Ultimate, a CNET Editors’ Choice award pick, offers hundreds of games you can play on your Xbox Series X, Xbox Series S, Xbox One and PC or mobile device for $20 a month. A subscription gives you access to a large library of games, with new ones, including Doom: The Dark Ages, added monthly, plus other benefits such as online multiplayer and deals on non-Game Pass titles.

Here are the games Microsoft is bringing to Game Pass soon. You can also check out other games the company added to the service recently, like Tony Hawk’s Pro Skater 3 + 4.

RoboCop: Rogue City

Game Pass Ultimate, PC Game Pass and Game Pass Standard subscribers can play now.

Serve the public, protect the innocent and uphold the law as the cyborg RoboCop. You’ll investigate crimes in Old Detroit before using your cyborg strength, cybernetic implants and arsenal of weapons to eradicate gangs from the area. This game is a whole new RoboCop story based on the film series, and Peter Weller, the original RoboCop himself, returns to voice the titular character.

My Friendly Neighborhood

Game Pass Ultimate and PC Game Pass subscribers can play now.

Something’s going on with everyone’s favorite Saturday morning puppet show, and it’s up to you to figure out what in this survival horror game. You’ll solve puzzles and use tools and improvised weapons to fend off your multicolored foes. So if you have anything against Barney or Big Bird, you can take out your feelings on them with this game.

Back to the Dawn

Game Pass Ultimate and PC Game Pass subscribers can play now.

This game is like if the series Prison Break took place in the Zootopia universe. You’ll play as either a fox named Thomas or a black panther named Bob as they try to navigate the prison system and escape with their lives. With multiple escape routes and over 100 quests you can complete, you can replay this game numerous times and have a different experience each time.

Abiotic Factor

Game Pass Ultimate and PC Game Pass subscribers can play on July 22.

Science meets violence in this 1990s-inspired sci-fi survival game. You and up to five other players can choose your areas of expertise, build your scientist and explore a massive, top-secret underground complex filled with artifacts and supernatural horrors that could tear you limb from limb. And remember, safety, security and secrecy are of the utmost importance… usually.

Wheel World

Game Pass Ultimate and PC Game Pass subscribers can play on July 23.

If you want to take a nice, relaxing bike ride, this game is for you. Previously known as Ghost Bike, this game puts you behind the handlebars of one of the last ghost bikes around. These bikes can traverse between the lands of the living and the dead. You can explore these lands at your leisure while you race other riders and upgrade your ride with treasures you find along the way.

Wuchang: Fallen Feathers

Game Pass Ultimate and PC Game Pass subscribers can play on July 24.

This souls-like RPG is set during the final days of the Ming Dynasty. You play as an amnesiac pirate warrior named Wuchang on a quest to uncover the truth behind a world full of chaos. You’ll fight monstrous creatures in forgotten temples and overgrown ruins, unlock new weapons and master devastating techniques in order to bring peace to yourself and others.

Grounded 2 (game preview)

Game Pass Ultimate and PC Game Pass subscribers can play on July 29.

You’ve been shrunk to the size of an ant — again — and you’ll have to survive the dangerous, miniature world. You’ll fight spiders and wasps, craft weapons and homes and even ride on your own insect friends to get around. You’ll unravel new mysteries along the way, but be careful. Something else is out there, and it hasn’t forgotten about you.

Farming Simulator 25

Game Pass Ultimate, PC Game Pass and Game Pass Standard subscribers can play on Aug. 1.

Farming isn’t always as simple as games like Stardew Valley might make it out to be, but it can still be very rewarding. If you want a taste of what goes into building and maintaining your own farm, give Farming Simulator 25 a try. You’ll grow diverse crops, raise different animals and with the weather-changing, ground-deforming atmosphere, you’ll face all kinds of challenges along the way.

Games leaving Game Pass on July 31

While Microsoft is adding those games to Game Pass soon, it’s also removing three other games on July 31. So you still have some time to finish your campaign or complete any side quests before you have to buy these games separately.

Gigantic: Rampage Edition
Kunitsu-Gami: Path of the Goddess
Turnip Boy Robs a Bank

For more on Xbox, discover other games available on Game Pass now, read our hands-on review of the gaming service and learn which Game Pass plan is right for you. You can also check out what to know about upcoming Xbox game price hikes.