Technologies

Apple Pay Later Lets You Finance Purchases Up to $1,000: How It Works

The buy now, pay later option is open to «select users.» Here’s everything to know before trying it.

Apple joined the buy now, pay later game this week. A «prerelease version» of the long-awaited Apple Pay Later service 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.»

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

How to Get Verizon’s New Internet Plan for Just $25 Per Month

Technologies

This $20K Humanoid Robot Promises to Tidy Your Home. But There Are Strings Attached

The new Neo robot from 1X is designed to do chores. It’ll need help from you — and from folks behind the curtain.

It stands 5 feet, 6 inches tall, weighs about as much as a golden retriever and costs near the price of a brand-new budget car.

This is Neo, the humanoid robot. It’s billed as a personal assistant you can talk to and eventually rely on to take care of everyday tasks, such as loading the dishwasher and folding laundry.

Neo doesn’t work cheap. It’ll cost you $20,000. And even then, you’ll still have to train this new home bot, and possibly need a remote assist as well.

If that sounds enticing, preorders are now open (for a mere $200 down). You’ll be signing up as an early adopter for what Neo’s maker, a California-based company called 1X, is calling a «consumer-ready humanoid.» That’s opposed to other humanoids under development from the likes of Tesla and Figure, which are, for the moment at least, more focused on factory environments.

Neo is a whole order of magnitude different from robot vacuums like those from Roomba, Eufy and Ecovacs, and embodies a long-running sci-fi fantasy of robot maids and butlers doing chores and picking up after us. If this is the future, read on for more of what’s in store.

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What the Neo robot can do around the house

The pitch from 1X is that Neo can do all manner of household chores: fold laundry, run a vacuum, tidy shelves, bring in the groceries. It can open doors, climb stairs and even act as a home entertainment system.

Neo appears to move smoothly, with a soft, almost human-like gait, thanks to 1X’s tendon-driven motor system that gives it gentle motion and impressive strength. The company says it can lift up to 154 pounds and carry 55 pounds, but it is quieter than a refrigerator. It’s covered in soft materials and neutral colors, making it look less intimidating than metallic prototypes from other companies.

The company says Neo has a 4-hour runtime. Its hands are IP68-rated, meaning they’re submersible in water. It can connect via Wi-Fi, Bluetooth and 5G. For conversation, it has a built-in LLM, the same sort of AI technology that powers ChatGPT and Gemini.

The primary way to control the Neo robot will be by speaking to it, just as if it were a person in your home.

Still, Neo’s usefulness today depends heavily on how you define useful. The Wall Street Journal’s Joanna Stern got an up-close look at Neo at 1X’s headquarters and found that, at least for now, it’s largely teleoperated, meaning a human often operates it remotely using a virtual-reality headset and controllers.

«I didn’t see Neo do anything autonomously, although the company did share a video of Neo opening a door on its own,» Stern wrote last week.

1X CEO Bernt Børnich told her that Neo will do most things autonomously in 2026, though he also acknowledged that the quality «may lag at first.»

The company’s FAQ says that for any chore request Neo doesn’t know how to accomplish, «you can schedule a 1X Expert to guide it» to help the robot «learn while getting the job done.»

What you need to know about Neo and privacy

Part of what early adopters are signing up for is to let Neo learn from their environment so that future versions can operate more independently.

That learning process raises privacy and trust questions. The robot uses a mix of visual, audio and contextual intelligence — meaning it can see, hear and remember interactions with users throughout their homes.

«If you buy this product, it is because you’re OK with that social contract,» Børnich told the Journal. «It’s less about Neo instantly doing your chores and more about you helping Neo learn to do them safely and effectively.»

Neo’s reliance on human operation behind the scenes prompted a response from John Carmack, a computer industry luminary known for his work with VR systems and the lead programmer of classic video games including Doom and Quake.

«Companies selling the dream of autonomous household humanoid robots today would be better off embracing reality and selling ‘remote operated household help’,» he wrote in a post on the X social network (formerly Twitter) on Monday.

1X says it’s taking steps to protect your privacy: Neo listens only when it recognizes it’s being addressed, and its cameras will blur out humans. You can restrict Neo from entering or viewing specific areas of your home, and the robot will never be teleoperated without owner approval, the company says.

But inviting an AI-equipped humanoid to observe your home life isn’t a small step.

The first units will ship to customers in the US in 2026. There is a $499 monthly subscription alternative to the $20,000 full-purchase price, though that will be available at an unspecified later date. A broader international rollout is promised for 2027.

Neo’s got a long road ahead of it to live up to the expectations set by Rosie the Robot in The Jetsons way back when. But this is no Hanna-Barbera cartoon. What we’re seeing now is a much more tangible harbinger of change.

Technologies

I Wish Nintendo’s New Switch 2 Zelda Game Was an Actual Zelda Game

Hyrule Warriors: Age of Imprisonment has great graphics, a great story and Zelda is actually in it. But the gameplay makes me wish for another true Zelda title instead.

I’ve never been a Hyrule Warriors fan. Keep that in mind when I say that Nintendo’s new Switch 2-exclusive Zelda-universe game has impressed me in several ways, but the gameplay isn’t one of them. Still, this Zelda spinoff has succeeded in showing off the Switch 2’s graphics power. Now can we have a true Switch 2 exclusive Zelda game next?

The upgraded graphics in Tears of the Kingdom and Breath of the Wild has made the Switch 2 a great way to play recent Zelda games, which had stretched the Switch’s capabilities to the limit before. And they’re both well worth revisiting, because they’re engrossing, enchanting, weird, epic wonders. Hyrule Warriors: Age of Imprisonment, another in the Koei-Tecmo developed spinoff series of Zelda-themed games, is a prequel to Tears of the Kingdom. It’s the story of Zelda traveling back in time to ancient Hyrule, and the origins of Ganondorf’s evil. I’m here for that, but a lot of hack and slash battles are in my way.

A handful of hours in, I can say that the production values are wonderful. The voices and characters and worlds feel authentically Zelda. I feel like I’m getting a new chapter in the story I’d already been following. The Switch 2’s graphics show off smooth animation, too, even when battles can span hundreds of enemies.

But the game’s central style, which is endless slashing fights through hordes of enemies, gets boring for me. That’s what Hyrule Warriors is about, but the game so far feels more repetitive than strategic. And I just keep button-mashing to get to the next story chapter. For anyone who’s played Hyrule Warriors: Age of Calamity, expect more of the same, for the most part.

I do like that the big map includes parts in the depths and in the sky, mirroring the tri-level appeal of Tears of the Kingdom. But Age of Calamity isn’t a free-wandering game. Missions open up around the map, each one opening a contained map to battle through. Along the way, you unlock an impressive roster of Hyrule characters you can control.

As a Switch 2 exclusive to tempt Nintendo fans to make the console upgrade, it feels like a half success. I admire the production values, and I want to keep playing just to see where the story goes. But as a purchase, it’s a distant third to Donkey Kong Bananza and Mario Kart World.

Hyrule Warriors fans, you probably know what you’re probably in for, and will likely get this game regardless. Serious Zelda fans, you may enjoy it just for the story elements alone.

As for me? I think I’ll play some more, but I’m already sort of tuning the game out a bit. I want more exploration, more puzzles, more curiosity. This game’s not about that. But it does show me how good a true next-gen Zelda could be on the Switch 2, whenever Nintendo decides to make that happen.