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

I Made Google Translate My Default on iPhone Before a Trip and It Saved Me More Than Once

Google Translate supports far more languages than Apple’s app, and it’s easy to make the switch.

If you’re traveling overseas this summer, the Google Translate app can come in handy to quickly translate a road sign or conversation. The latest Google Translate update allows you to pick the app as your default translation app for Apple iPhones and iPads running iOS and iPadOS 18.4 and later. Previously, you were limited to the built-in Apple option.

Google began leveraging AI to boost Google Translate’s offerings, adding 110 languages last year to increase its total support for 249 languages. Compare that to Apple Translate, which supports 19 languages. Neither Google nor Apple responded to a request for comment.

Both apps offer voice and text translation, including a camera feature that lets you instantly translate by pointing your camera at text. Both also allow you to use translation features without an internet connection, which can come in particularly handy when traveling to more remote locations.

After using both, I found that the Google Translate picked up speech a little quicker so I didn’t have to constantly repeat myself, and the audio pronunciations were a little easier to understand than on Apple Translate. I switched to Google Translate as the default on my iPhone, and here’s how you can, too.

How to set Google Translate as the default on an iPhone or iPad

Setting Google Translate as your default app is simple on an iPhone or iPad, so long as it’s running iOS and iPadOS 18.4 or later.

Download the Google Translate app or update it to the latest version.
Go to the Settings on your iPhone or iPad.
Scroll down to the bottom then select Apps.
Click Default Apps at the top of the screen.
Then choose Translation.
Select Google Translate.

Technologies

The 20 Best PC Games Right Now

Put your gaming computer to the test with the best PC games out right now, including AAA hits like Elden Ring and Black Myth: Wukong as well as indie darlings.

PC gaming gives you the best of most worlds. With a decent budget and some gumption, you can build a solid desktop rig — or you can invest in one of CNET’s best gaming PCs and gain access to a wide world of PC exclusives, indie games and even some titles that were previously exclusive to Sony’s PlayStation and Microsoft’s Xbox.

There’s a truly unlimited amount of tags, store queues and interactive recommendations to browse through, and it can get overwhelming trying to find the next best metroidvania, boomer shooter, collectathon or whatever your cup of tea is. PC gamers aren’t lacking for choice.

In fact, between Steam, the Epic Games Store, Game Pass and more, there are thousands upon thousands of games to choose from. One of the biggest issues you can run into with a massive backlog is choice paralysis. Just which are the best PC games out there?

We’re here to help. To narrow your game choices, CNET curated this list of the best PC games you can play right now.

Read more: Best Gaming PC Deals Right Now

TL;DR? These are the 20 best PC games for June 2025

Balatro
Warframe
Baldur’s Gate 3
Overwatch 2
Valorant
Disco Elysium: The Final Cut
Elden Ring
Cassette Beasts
Dread Delusion
Celeste
Total War: Pharaoh
Stardew Valley
Lunacid
Black Myth: Wukong
Neon White
Helldivers 2
Risk of Rain 2
Soulstone Survivors
Terraria
Haste

PC gaming FAQs

Recent updates to the list

February 2025: While no new games have been added to the list so far this year, Kingdom Come: Deliverance 2 is an early frontrunner. A spate of stellar seasonal events, maps and new heroes has also put Marvel Rivals in contention for the PC hero shooter crown.

Read more: The Best Heroes to Play in Marvel Rivals

June 2025: Added Helldivers 2, Risk of Rain 2, Soulstone Survivors, Terraria and Haste to the list in order to represent both games industry behemoths and indie gaming hidden gems.

How we determined CNET’s best PC games

When creating this list of the best PC games, we factored in how unique and enjoyable these games are for most players. We evaluated criteria including graphical quality, innovative gameplay mechanics and compelling narratives. The picks we made cover a variety of genres from fantasy to retro platformers to shooters to strategy games, and while we favored PC-exclusive games and indie titles you won’t find on Xbox, PlayStation or Nintendo Switch, we also included some can’t-miss games that appear on multiple platforms. If you’re looking for help choosing your next game, CNET’s top PC list is a good place to start narrowing your choices.

Technologies

How to Add These Hidden Music and Apple Intelligence Controls to Your iPhone

One control can Apple’s Visual Intelligence to more devices besides the iPhone 16 lineup.

Apple released iOS 18.4 on March 31, and the update brought bug fixes, new emoji and a new recipes section in Apple News to all iPhones. The update also brought a handful of new controls to the iPhone Control Center, including one that brings Visual Intelligence to the iPhone 15 Pro and iPhone 15 Pro Max.

When Apple released iOS 18 in September, the update remodeled the Control Center to give you more control over how the feature functions. With iOS 18, you can resize controls, assign some controls to their own dedicated page and adjust the placement of controls to your liking. Apple also introduced more controls to the feature, making it a central hub for all your most-used iPhone features.

Read more: Everything You Need to Know About iOS 18

With iOS 18.4, Apple continues to expand the number of controls you can add to the Control Center. If you have the update on your iPhone, you can add ambient music controls, and Apple Intelligence-enabled iPhones get a few AI controls in the menu, too. Here’s what you need to know about the new controls and how to add them to your Control Center.

Ambient Music controls

Apple gave everyone four new controls in the Control Center library under the Ambient Music category. These controls are Sleep, Chill, Productivity and Wellbeing. Each of these controls can activate a playlist filled with music that corresponds to the specific control. Sleep, for instance, plays ambient music to help lull you to bed.

Some studies suggest white noise could help adults learn words and improve learning in environments full of distractions. According to the mental health company Calm, certain kinds of music can help you fall asleep faster and improve the quality of your sleep. So these new controls can help you learn, fall asleep and more.

Here’s how to find these controls.

1. Swipe down from the top-right corner of your Home Screen to open your Control Center.
2. Tap the plus (+) sign in the top-left corner of your screen.
3. Tap Add a Control.

You’ll see a section of controls called Ambient Music. You can also search for «Ambient Music» in the search bar at the top of the control library. Under Ambient Music, you’ll see all four controls. Tap one (or all) of them to add them to your Control Center. Once you’ve added one or all the controls to your Control Center, go back to your Control Center and tap one to start playing music.

Here’s how to change the playlist for each control.

1. Swipe down from the top-right corner of your Home Screen to open your Control Center.
2. Tap the plus (+) sign in the top-left corner of your screen.
3. Tap the Ambient Music control you want to edit.
4. Tap the playlist to the right of Playlist.

A dropdown menu will appear with additional playlists for each control. If you’re in the Sleep control, you’ll see playlists like Restful Notes and Lo-Fi Snooze. If you have playlists in your Music app, then you’ll also see an option From Library, which pulls music from your library. Tap whichever playlist you want and it will be assigned to that control.

Apple already lets you transform your iPhone into a white noise machine with Background Sounds, like ocean and rain. But Ambient Music is actual music as opposed to more static sounds like in that feature.

Both of these features feel like a way for Apple to present itself as the first option for whenever you want some background music to help you fall asleep or be productive. Other services, like Spotify and YouTube, already have ambient music playlists like these, so this could be Apple’s way of taking some of those service’s audience.

Apple Intelligence controls

Only people with an iPhone 15 Pro, iPhone 15 Pro Max or the iPhone 16 lineup can access Apple Intelligence features for now, and those people got three new dedicated Apple Intelligence controls with iOS 18.4. Those controls are Talk to Siri, Type to Siri and Visual Intelligence.

Here’s how to find these controls.

1. Swipe down from the top-right corner of your Home Screen to open your Control Center.
2. Tap the plus (+) sign in the top-left corner of your screen.
3. Tap Add a Control.

Then you can use the search bar near the top of the screen to search for «Apple Intelligence» or you can scroll through the menu to find the Apple Intelligence & Siri section. Tap any (or all) of these controls to add them to your Control Center. While Talk to Siri and Type to Siri controls can be helpful if you have trouble accessing the digital assistant, the Visual Intelligence control is important because it brings the Apple Intelligence feature to the iPhone 15 Pro and Pro Max.

Visual Intelligence was originally only accessible on the iPhone 16 lineup because those devices have the Camera Control button. With iOS 18.4, Visual Intelligence is now accessible on more devices and people thanks to the titular control in Control Center. But remember, Visual Intelligence is like any other AI tool so it won’t always be accurate. You should double check results and important information it shows you.

For more on iOS 18, here are all the new emoji you can use now and everything you should to know about the recipes section in Apple News. You can also check out all the features included in iOS 18.5 and our iOS 18 cheat sheet.