Connect with us

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.

Apple Pay LaterApple Pay Later
Enlarge Image

A sample payment schedule on Apple Pay.

Apple

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.

screen-shot-2021-06-07-at-1-28-59-pm-2.pngscreen-shot-2021-06-07-at-1-28-59-pm-2.png

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.

Related Topics:

Technologies

Today’s NYT Mini Crossword Answers for Thursday, Aug. 21

Here are the answers for The New York Times Mini Crossword for Aug. 21.

Looking for the most recent Mini Crossword answer? Click here for today’s Mini Crossword hints, as well as our daily answers and hints for The New York Times Wordle, Strands, Connections and Connections: Sports Edition puzzles.

There are a lot of Qs in today’s Mini Crossword. 1-Across threw me for a while, but eventually it dawned on me. Need answers? Read on. And if you could use some hints and guidance for daily solving, check out our Mini Crossword tips.

If you’re looking for today’s Wordle, Connections, Connections: Sports Edition and Strands answers, you can visit CNET’s NYT puzzle hints page.

Read more: Tips and Tricks for Solving The New York Times Mini Crossword

Let’s get to those Mini Crossword clues and answers.

Mini across clues and answers

1A clue: Common queries, informally
Answer: FAQS

5A clue: Only four-letter country with a «Q» in its name
Answer: IRAQ

6A clue: TV’s «The White ___»
Answer: LOTUS

8A clue: Something you might «Mark as read»
Answer: EMAIL

9A clue: Late
Answer: TARDY

Mini down clues and answers

1D clue: ___ mignon
Answer: FILET

2D clue: Burnt toast has a strong one
Answer: AROMA

3D clue: Only five-letter country with a «Q» in its name
Answer: QATAR

4D clue: Likely inspiration for the mythical kraken
Answer: SQUID

7D clue: Sneaky
Answer: SLY

Continue Reading

Technologies

Everything from Made by Google 2025: Pixel 10, Pixel Watch 4, Pixel 10 Pro Fold Announced

Here’s what you missed at Google’s big event that included new phones, watches, earbuds, Gemini AI features and numerous celebrity cameos.

Even though the Pixel 10 leaks and rumors felt as if they arrived in a steady firehose before today’s Made by Google event — compelling the company to release a teaser video pre-announcing the new phone’s existence a month ago — Google still delivered details it somehow managed to keep private until it was ready to share.

And that delivery was refreshingly fun for a tech event. The Tonight Show host Jimmy Fallon led the proceedings in a very late-night talk show format, bringing on several special guests from media, sports and yes, Google’s own experts to show off the products and features they’ve been working on for today’s announcements.

Pixel 10, Pixel 10 Pro and Pixel 10 Pro XL are real

Surprise, Google announced new phones! OK, this was the least surprising part of the event, but it still feels good to finally know what exists and when it’s coming. Preorders for the Pixel 10, Pixel 10 Pro and Pixel 10 Pro XL begin today and will be in stores and shipping starting August 28.

  • I’m Stoked That Google Made the Pixel 10 a $799 Value-Packed Feature Monster

  • I Tested Google’s Pixel 10 Pro XL in Paris, and I’m Impressed

  • Pixel 10 Pro and Pro XL First Look: Familiar Design, New AI Tricks

  • Google Launches the Full Pixel 10 Line, Including the Pixel 10 Pro and Pixel 10 Pro XL

Pixel 10 Pro Fold opens the next chapter of foldables

Folding phones so far have shared an Achilles Hinge: small particulates like sand can get inside the case and really mess things up. The Pixel 10 Pro Fold is one of the first to have an IP68 rating for dust and water resistance, meaning you can take it to the beach.

  • Pixel 10 Pro Fold Is Tougher, Smarter and Totally Dust Resistant

  • Forget the Pixel 10 Pro Fold. Foldables Should Look Like the Microsoft Surface Duo

  • Google’ Pixel 10 Pro Fold Is Here

Pixel Watch 4 talks to Gemini and is your new health coach

The Pixel Watch 4 includes new fitness options like real-time guidance while exercising. And if you forgot to start a workout, the watch (with AI help) can detect the activity in the background and remind you of it later, giving you credit for the effort you made. It’s also the only smartwatch that can detect a loss of pulse and call emergency services automatically.

  • Well Played, Google: The Pixel Watch 4 May Give Apple Watch Loyalists a Wandering Eye

  • Pixel Watch 4 First Look: Google Just Raised the Bar

  • The Pixel Watch 4 Is Here. Can It Finally Beat Apple?

Pixel Buds 2a are more affordable earbuds

Joining the Pixel Buds 2 Pro in the market are Pixel Buds 2a, an affordable ($130) pair of wireless earbuds that feature active noise cancellation, a smaller and lighter for all, and a twist-to-adjust stabilizer feature for setting a comfortable fit.

  • Google’s New Pixel Buds 2A Look a Lot Like the Pro 2, but Cost Way Less

  • Meet the Pixel Buds 2A: Google’s Budget Answer for ANC Buds

Pixel Buds Pro 2 owners will see new features

Coming in a software update next month, Pixel Buds Pro 2 owners will be able to answer calls or send them to voicemail with a nod or shake of the head. You’ll be able to talk to Gemini live in noisy locations, and benefit from adaptive audio that applies noise cancellation while letting important sounds come through. At the other end, a new feature will protect your hearing from very loud sounds.

Magic Cue is a Gemini assistant that pulls data from your correspondence

In the rollout of all the various AI technologies in the industry, the current stretch goal is «agentic» interactions with software: Having an AI that knows all sorts of details about you and can act to get the important stuff in front of you when needed. (And do it in a privacy-first way, one would hope.)

Magic Cue is Google’s implementation. It’s a new Gemini-based feature that can look through your earlier messages, emails and photos to pull details about things like restaurant reservations and flight times. Magic Cue runs on the Pixel device itself, so sensitive data stays private and not shared to the cloud.

A lot of Gemini AI intelligence is still coming soon

At the start of the event, Fallon sat down in typical talk-show format with Rick Osterloh, senior vice president of platforms and devices, to chat about Gemini and the marvels of AI. Aside from Magic Cue, which will be shipping on the Pixel 10 phones, a lot of the features and products we’ve been hearing about are still on the horizon.

«For instance, Gemini could do something like plan a team celebration dinner for 12 people tonight,» he said. «It might go find a restaurant that’ll accommodate that group…. Look for a karoake place nearby and maybe even order custom T-shirts for the celebration.»

And when will that be possible? Fallon asked. «A lot sooner than people think,» Osterloh replied. «This kind of thing is coming this year.»

The Pixel 10 Pro and 10 Pro XL can zoom to 100x with AI help

Pro Res Zoom on the Pixel 10 Pro phones pushes zooming far beyond what would seem to be possible with typical small cameras. Usually when you zoom beyond the optical limits of the cameras, details get fuzzy as the software upscales the image. With Pro Res Zoom, when you go beyond 30x zoom, it uses generative AI to build a sharper version. CNET’s Andrew Lanxon got both impressive and head-scratching results while making photos in Paris using the Pixel 10 Pro XL.

Camera Coach uses AI to encourage better photos

Smartphone cameras have employed AI for several years, such as identifying subjects in order to blur the background for Portrait modes or quickly snapping several shots at multiple exposures and blending them together to create well-balanced lighting throughout. Now Google is using AI to help you take better photos.

Camera Coach is a new feature in the Pixel Camera app that looks at the scene in front of the lens and generates multiple suggestions for how to improve the photo before it’s captured. To show this off, podcaster Alex Cooper brought Fallon out to be her model and sat him down on a couch. When she activated the feature, Camera Coach suggested that she move the camera closer to the subject, position his head in the upper portion of the frame, lower the camera to eye level and turn on Portrait mode.

«To all the girls that are watching, I personally know how hard it is to train your boyfriend or your husband to get that perfect shot,» said Cooper. «And now Camera Coach can just train all the boys for us.»

Pixel 10 supports Qi2 magnetic charging

The Qi2 spec includes not just faster charging but also an array of magnets on the back for connecting to accessories. Sound familiar? The presenters mentioned Apple’s MagSafe system, then paused with the realization that they probably shouldn’t have name-checked it during the Google event. On the Pixel 10 phones, it’s called Pixelsnap and should work with accessories made for Apple’s ecosystem too.

Pixel 10 will be available in Mexico

In an impressive segment demonstrating Gemini live translation during a phone call, musician Karen Polinesia, who speaks Spanish, announced that for the first time, the Pixel 10 will be available for sale in Mexico.

This article is being updated; stay tuned for more.

Continue Reading

Technologies

Today’s NYT Connections: Sports Edition Hints and Answers for Aug. 21, #332

Here are hints and the answers for the NYT Connections: Sports Edition puzzle for Aug. 21, No. 332.

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.

To solve today’s Connections: Sports Edition, focus on the endings of some of the words. That should help you see how they connect. Read on for hints and the answers.

Connections: Sports Edition is out of beta after making its debut on Super Bowl Sunday on 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: What you want to do.

Green group hint: Football abbreviations.

Blue group hint: Home to hoops.

Purple group hint: Hidden hockey team names.

Answers for today’s Connections: Sports Edition groups

Yellow group: Objective.

Green group: NFL teams, on scoreboards.

Blue group: NBA arenas ending with «Center.»

Purple group: Ends with an NHL team.

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 objective. The four answers are aim, goal, mark and target.

The green words in today’s Connections

The theme is NFL teams, on scoreboards. The four answers are CHI, MIA, MIN and NO. (Chicago, Miami, Minnesota and New Orleans.)

The blue words in today’s Connections

The theme is NBA arenas ending with «Center.» The four answers are Barclays, Chase, Delta and Kia.

The purple words in today’s Connections

The theme is ends with an NHL team. The four answers are geoducks, spoilers, superstars and Vikings. (Ducks, Oilers, Stars and Kings.)

Continue Reading

Trending

Copyright © Verum World Media