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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

Doom The Dark Ages Review: Blood, Steel and Burnout

Guns and heavy metal weren’t enough this time around.

Doom: The Dark Ages is the third game of the new «Doom» era since the franchise was rebooted in 2016 and was followed up with a second game, Doom Eternal, in 2020. While this newest title makes some big changes to the game, and I do mean «big,» it does feel like it’s lost a bit of that Doom charm that made me giddy whenever I saw the phrase «rip and tear.» 

For this latest go-around, developer id Software tweaked the Doom formula to go beyond just shooting enemies and is far away from the platforming that was found in Doom Eternal. The result is a blend of action that really sings when everything is timed right but also falls flat outside of the action. There’s just a lack of areas where my adrenaline starts pumping compared to the previous Doom games.  

To lay the groundwork for Doom: The Dark Ages, the game takes place before the events of the 2016 reboot. Doomguy, referred to as the Slayer throughout, was transported to Hell following the events of Doom 64 in order to fight the hordes of monsters. Some point after battling demons for billions of years, he’s transported to Argent D’Nur, a different realm inhabited by humans who fight against the hordes of Hell in this epic war with futuristic weapons with a medieval motif. As the Slayer, he’s there to help the humans win and what follows is a very dramatic, almost Game of Thrones-type story but it feels shallow. 

And I get it. Doom wasn’t ever really about the story but it has been since the reboot. What I love about the reboot is that I’m playing as the same character as I was 20 years earlier in my high school computer lab. A character who had returned from the depths of Hell and was being used as a living weapon to defeat the army from Hell once again. Then, in Doom Eternal, we learn how Doomguy was a mythical hero in that other realm and traveling to that realm was this satisfying experience that felt like the equivalent of a heavy metal album cover. 

In Doom: The Dark Ages, I didn’t feel that same excitement to learn more about Doomguy’s past. The attempt at intrigue just didn’t work, so making my way through the chapters was a slog at times. Don’t get me wrong: The action was exciting, most of the time, but it takes a while to get to that pinnacle of where all the new elements of the game fit into place.

Doomguy’s New Toys (and Tricks)

Of those new elements, the most significant is the addition of a shield. It’s weird playing a Doom game with a shield but it’s part of id’s attempt to redefine the gameplay by adding some depth. The shield provides four kinds of actions that are important while playing, including the most obvious one, defense.

Some of the enemies have particularly big guns that can tear you apart if you don’t use your shield. As you might expect, there’s a shield throw, a la Captain America, so you can use it as a weapon. This throw can be an instakill for weaker enemies or a stun for tougher ones as it tears into their bodies. 

Doomguy also has a shield bash that does some damage but acts as a way to quickly dash at enemies as well as break open barriers throughout the levels. Lastly, there’s the shield parry. Some enemies shoot out green projectiles that can be parried back at them, which is required to defeat some enemies. I appreciated that there’s an option to make the parry window more generous or tighter, depending on what works for you. 

Another change is the arsenal available to Doomguy. Doom Eternal introduced a few new weapons along with the franchise mainstays like the Chaingun and BFG 9000. But in Doom: The Dark Ages, it’s all new weapons with the exception of the shotgun that you start with. The new guns are pretty intense but they do have a similar feel to other weapons like the Accelerator in comparison to the Plasma Rifle. 

Each gun has an alternate fire that makes it act like a new weapon. For example, the Shredders feel like a standard machine gun that shoots bolts into enemies. Later in the game, you can unlock the alternate version, called the Impaler, that fires big spikes and acts almost like a non-scoping sniper rifle because it deals huge damage with headshots. Another weapon, the Pulverizer, is most notable for its design, which crushes skulls and shoots out bone pieces in a spread to take out multiple enemies at once. Guns weren’t the only new weapons for Doomguy, as there are also new melee weapons, the most notable being the Flail.

The shield and every weapon can be upgraded via gold, rubies and wraithstones found throughout the levels. This is where the action can get fun because upgrading weapons in a certain way can have different effects on enemies, from dealing damage to nearby enemies to having a longer stun or making enemies drop more ammo or armor. There’s a combination of upgrades that creates this fantastic harmony between the shield and the weapons. There’s a lot of experimentation available for players to make their favorite weapon even more fun to use. 

Big Maps, Bigger Fights

Arguably, the most noteworthy change in Doom: The Dark Ages is the open levels. Previous games were more constrained, with players having to clear out rooms. In this game, there are big maps with multiple areas that need to be cleared to complete the chapter. This allows for a lot of exploration as there are plenty of secrets to find. Enemies are scattered throughout, but there are areas where a barrier will pop up and you’ll have to deal with hordes of demons in a closed-off space similar to the previous Doom games. Like the rest of Doom: The Dark Ages, these levels have a medieval look with some futuristic accents here and there. This style, which is also shown in Doom Eternal, creates a remarkable presentation on the Xbox Series X when combined with the heavy metal music. 

Speaking of presentation, the two «big» additions to the Doom franchise are the dragon and the Atlan mech, which are available on certain levels. The action changes similarly when riding either one. Whether you’re on the dragon or the mech, you progress through the levels and do a combination of attacking and dodging enemies’ attacks. Traveling on both is fun but where the dragon flies throughout the levels and can chase down certain enemies, the Atlan smashes buildings as it fights giant demons. While enjoyable, I have to admit, I didn’t mind them being limited to certain levels; there wasn’t a lot to do with them. 

All the new additions id Software introduced in Doom: The Dark Ages are welcome changes to keep a franchise that’s been around for more than three decades feeling fresh. I still can’t shake the feeling that something’s missing, though. It just doesn’t have the same pull as the last two Doom games. Because of that, it never gave me the same rush while playing. There were stretches where it honestly felt boring, which is wild to say about a Doom game. It definitely picks up in places and delivers some great moments, but I kept wishing there was more meat on the bones — just something that made me care more about this adventure.

Doom: The Dark Ages comes out on May 15 for Xbox, PlayStation and PC, and it’ll be available on Game Pass at launch. Players who purchase the Premium Edition of Doom: The Dark Ages will gain access to the game on May 13. 

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Technologies

Palworld Developer Has Removed Game Features Due to Nintendo Legal Pressure

Pocketpair says it’s continuing to evolve its monster-collecting game, even as it strips out features that may be too similar to the Pokemon franchise it parodies.

When it debuted as an early access game in 2024, the popular action/collection videogame Palworld was an instant hit, but it didn’t take a judicial expert to predict that its similarities to Pokemon would invite legal action. That happened about eight months later when Nintendo and The Pokemon Company filed suit, claiming patent infringement.

Now, gamers are seeing some of the effects of that legal threat. Pocketpair, the studio behind the unofficial parody, Some features in the game, such as the use of Pal Spheres (similar to Poke Balls in Pokemon) and gliding with Pals have been patched out of gameplay with updates in November and this month.

In a blog post titled, «Regarding the lawsuit, changes to Palworld and the future,» Pocketpair said the changes «were indeed a result of the ongoing litigation.»

The post goes on to say: «everyone here at Pocketpair was disappointed that this adjustment had to be made, and we fully understand that many players feel the same frustration. Unfortunately, as the alternative would have led to an even greater deterioration of the gameplay experience for players, it was determined that this change was necessary.»

Much of the debate around Palworld’s existence and why it’s facing legal challenges has to do with whether the game itself could be protected legally if it’s considered a parody. That may be why the lawsuit is based on patent infringement, focusing on mechanics of the game, rather than copyright infringement. 

Even with legal action pending, the game’s expansion has not slowed down. It’s available on PlayStation 5, Xbox consoles and PC, and there’s a mobile version still in the works.

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Technologies

Beats Solo 4 Headphones Are Just $100 Right Now, but Not for Long

This 50% discount on these popular headphones is incredible — but it’s only a limited-time deal, so don’t miss out.

Are your old headphones barely hanging on? While you might know you need to upgrade, the price of the best headphones can be a bit off-putting for many people. Well, that’s where we come in, because we’re always on the lookout for deals — like this one on the Beats Solo 4 headphones.

Thanks to a massive discount on Amazon, you can currently get your hands on a pair of the Beats Solo 4 for just $100. That’s not only 50% off, but also $30 cheaper than they were a month and a half ago during the Amazon Big Spring Sale. We’re not expecting this deal to last long though, so grab it quick if you want it.

As far as headphone deals go, you won’t want to miss these. The Beats Solo 4 headphones have plenty going for them, including a 50-hour battery life, so you won’t need to reach for the charger that often. But when you do need to charge them up, a 10-minute charge will give you five hours of listening time. If you prefer to listen with a cable rather than wirelessly, the Beats Solo 4and includes support for high-quality audio, too.

CNET’s audio expert David Carnoy rated the Beats Solo 4 highly in his full review last year, but advised readers to wait for them to drop to $130 or so.

Hey, did you know? CNET Deals texts are free, easy and save you money.

The colors on sale include matte black, pink and blue, and all feature custom acoustic architecture and updated drivers to offer that iconic Beats sound. If you’re a fan of bass — you won’t be disappointed. The adjustable earcups and so-called UltraPlush cushions ensure long listening sessions won’t be uncomfortable.

Why this deal matters

The Apple-owned Beats brand is iconic and this is your chance to put a pair of the company’s headphones in your tech bag at a huge saving. Getting anything for half the price is an incredible opportunity. Being able to pick your color sweetens the deal, but the limited-time nature of the deal does mean you need to act sooner rather than later.

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