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

Today’s NYT Strands Hints, Answers and Help for June 29, #483

Here are hints and answers for the NYT Strands puzzle for June 29, No. 483.

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.

I love today’s NYT Strands puzzle! It’s maybe a bit easier than usual once you understand the theme, but then it gets, well, really colorful. And the spangram even makes a themed shape! 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: Hue are my sunshine.

If that doesn’t help you, here’s a clue: Why are there so many songs about these?

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:

RAIN, SING, SIGN, ROLL, LINE, BILL, BAGS, GABS, HOUSE, GRAIN, RAINS

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:

ORANGE, YELLOW, GREEN, BLUE, INDIGO, VIOLET

Today’s Strands spangram

Today’s Strands spangram is CHASINGRAINBOWS. To find it, look for the C that’s six letters down on the first row on the left, and wind around… in the shape of a rainbow! Nice one, puzzle-makers!

Technologies

Today’s NYT Connections: Sports Edition Hints and Answers for June 29, #279

Here are hints and the answers for the NYT Connections: Sports Edition puzzle, No. 279, for June 29.

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 might be tough. But all you Hoosiers will nail the yellow category, I think. Read on for hints and the answers.

Connections: Sports Edition is out of beta now, making its debut on Super Bowl Sunday, Feb. 9. That’s a sign that the game has earned enough loyal players that The Athletic, the subscription-based sports journalism site owned by the Times, will continue to publish it. It doesn’t show up in the NYT Games app but now appears in The Athletic’s own app. Or you can continue to play it 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: Think Indianapolis.

Green group hint: Multitalented.

Blue group hint: They forgot Air Bud!

Purple group hint: Lace up your skates.

Answers for today’s Connections: Sports Edition groups

Yellow group: Indiana sports teams, in singular form.

Green group: Skills of a five-tool baseball player.

Blue group: Basketball movies.

Purple group: PWHL stars.

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 Indiana sports teams, in singular form. The four answers are Boilermaker, Colt, Hoosier and Pacer.

The green words in today’s Connections

The theme is skills of a five-tool baseball player. The four answers are fielding, power, speed and throwing.

The blue words in today’s Connections

The theme is basketball movies. The four answers are Air, Blue Chips, Glory Road and He Got Game.

The purple words in today’s Connections

The theme is PWHL stars. The four answers are Fast, Fillier, Knight and Poulin.

Technologies

Your Phone’s a Germ Magnet. How to Disinfect It Properly

Want to keep your iPhone or Android germ-free? Follow these phone cleaning tips.

Your phone goes everywhere with you — on your commute, your lunch break, even the bathroom (don’t lie). But for something that spends so much time in your hands and against your face, it’s probably way dirtier than you think. In fact, studies have shown that the average smartphone can carry more germs than a toilet seat. Yeah, really.

All that touching, tapping, swiping and setting it down on random surfaces adds up fast. If you’re not regularly disinfecting your phone, you’re basically carrying a pocket-sized petri dish. The good news? Cleaning it the right way is quick, easy and doesn’t require fancy gear. Here’s how to sanitize your device safely — without damaging the screen or frying your electronics..

The Federal Communications Commission suggests disinfecting your phone daily, but not all cleaning methods are safe. Harsh chemicals and abrasive materials can damage protective coatings and potentially harm your screen. To keep your phone both clean and intact, it’s crucial to use the right cleaning techniques.

We’ll guide you through the best methods and products for keeping your device germ-free, from iPhones to Samsungs, and whatever their level of water resistance may be.

For more cleaning tips, here’s how to clean wireless earbuds and AirPods.

What are the best products for daily cleaning?

After touching surfaces that see a lot of action from the public — such as door handles, seats on public transportation, grocery carts and gas pumps — you might think you need a heavy-duty cleaning agent to use on your phone. However, you should avoid rubbing alcohol or products made of straight alcohol, since they can damage the protective coatings that prevent oil and water from harming your screen.

Some suggest making your own alcohol-water mix, but getting the concentration wrong can damage your phone. The safest option is using disinfectant wipes with 70% isopropyl alcohol. For daily cleaning, consider a UV light product like PhoneSoap, which kills 99.99% of germs and bacteria. We can also turn to phone manufacturers and cell service companies for guidance, too.

Apple now approves using Clorox Wipes and similar disinfectants, which was not recommended before the pandemic since they were thought to be too abrasive on the screen’s coating. AT&T advises spraying a 70% isopropyl alcohol solution on a soft, lint-free cloth and wiping your device down. Samsung also recommends using a 70% alcohol solution with a microfiber cloth. Always make sure your phone is powered off before cleaning it.

What are the best methods for removing fingerprints, sand and makeup?

Sometimes your phone needs a more specific treatment when washing up. The recommended process for daily cleaning may not be enough to remove pesky grains of sand after a beach vacation or tough foundation stains.

Get rid of fingerprints

Fingerprint smudges are inevitable since your skin produces oils. Every time you pick up your phone, your screen will get fingerprints. The safest way to make your screen print-free is with a microfiber cloth. For a deeper clean, dampen the cloth with distilled water (never apply water directly to the screen) and wipe down the surface. This works for the back and sides of your phone as well.

Alternatively, try a microfiber screen cleaner sticker that sticks to the back of your phone for easy wiping.

Remove sand and small particles

Grains of sand and lint can easily get stuck in your phone’s ports and crevices. To remove it, we recommend you use Scotch tape. Press it along the creases and speaker, then roll it up and gently insert it into the ports. The tape will pull out any debris. You can then just simply throw away the tape for easy cleanup.

For smaller speaker holes, use a toothpick gently or a small vacuum crevice tool to suck out the debris. These tools work well for other small appliances or hard-to-reach areas in your car too.

Cleanse makeup off your phone screen

When you wear makeup and skin care products, such as foundation and moisturizers, you’ll leave residue on your phone screen. While makeup remover works for your face, it’s not safe for screens due to potentially harmful chemicals. Instead, try a screen-safe makeup remover like Whoosh, which is alcohol-free and gentle on all screens.

Alternatively, use a damp microfiber cloth to clean your phone, then wash the cloth afterward. Make sure your cloth is only slightly wet to avoid soaking your phone in water.

What if my phone is waterproof?

For waterproof phones (IP67 and above), it’s best to clean the device with a damp cloth instead of submerging or running it under water — even if the phone advertises that it can withstand submersion for a certain amount of time.

Afterward, dry your phone with a soft cloth, ensuring all ports and speakers are patted dry. While your phone can withstand water, submerging it can lead to water in the ports, delaying charging. Remember, water resistance is meant for accidents, not swimming or regular cleaning.

Things to avoid when cleaning your phone

We’ve already covered why you should avoid makeup remover and rubbing alcohol, but those aren’t a comprehensive list of harmful cleaning agents. Here are a few other items and products you should never use to clean your phone:

Hand sanitizer: Fragrances and ethyl alcohol found in many sanitizers can harm your phone.
Window or kitchen cleaners: Harsh cleaners can strip the protective coating on your phone and leave it more vulnerable to scratches.
Paper towels: Paper can shred, making the debris on your phone much worse, and the rough texture can leave scratches on your screen.
Dish and hand soap: Most soaps require you to combine them with water, and since you should keep water away from your phone, it’s best to stick to a damp cloth.
Vinegar: Like cleaners and alcohols, vinegar will strip your phone screen’s coating.
Compressed air: Blowing intense and direct air into your phone’s portals can cause damage, especially to your mic. Apple specifically warns iPhone owners not to use compressed air.