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Apple introduces Apple Pay Later service

Apple has introduced a new feature that allows users to split payments for goods and services into equal parts.
Apple Pay Later allows users to divide the purchase cost into four equal payments that must be made within six weeks, with no interest or fees. Payments are made through the Apple Wallet app and the linked bank card.

Apple Pay

"Apple Pay Later was designed with our users’ financial health in mind, so it has no fees and no interest and can be used and managed within Wallet, making it easier for consumers to make informed and responsible borrowing decisions," said Jennifer Bailey, Apple’s vice president of Apple Pay and Apple Wallet.

Apple Pay Later can be used for purchases made on the internet and in apps on iPhone and iPad, with sellers using Apple Pay, for amounts ranging from $50 to $1,000. To begin using the new service, users can apply for a payment plan in Wallet, which will not affect their credit history, and then customers will be asked to choose the amount they wish to pay in installments and accept the terms of Apple Pay Later.

After approval, the Wallet will display the total amount due for all current credits and the total amount due for the next 30 days. Users can also view all upcoming payments on their calendars and receive notifications via Wallet and email before each payment is due.

The new Apple Pay Later option is currently only available to customers in the United States. There is no information on whether installment payments from Apple will become available in other countries.

The company noted that Apple Pay Later was designed with privacy and security in mind. You can make purchases through Apple Pay Later using Face ID, Touch ID, or a password, and transaction history will not be shared with third parties or for advertising.

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