How to Use Apple Pay Later on iOS 16 iPhone

WWDC 2022 Just Happened! I think we can all agree that it was more than we expected. Apple has released tons of new features that we will get with the next big update of iOS 16, and also Mac Book Air Pro, M2 chip, iPadOS 16. But personally, my favorite part of the whole WWDC 2022 event was the launch of iOS 16 update. To me, it’s like this kind of big update is basically a brand new phone without having to buy a brand new phone. In this article, I’m going to talk about Apple Pay later.

I’m obsessed with online transactions, especially since we don’t have to carry cash everywhere. Apple offers this great feature of Apple Pay that we can transact online with. Although it hasn’t been to many countries yet, we can usually find it in cities in the US. As an iPhone geek, I hope you know what Apple Pay is, so now let’s talk about Apple Pay Later and how to use it.


Apple couldn’t have come up with a better name than Apple Pay Later. Apple Pay Later is an Apple Pay “Buy Now, Pay Later” feature. Start adopting the purchase now, pay later mindset with a new feature introduced on Monday at the WWDC 2022 event. The feature, called Apple Pay Later, is included in the upcoming iOS 16 for iPhone and will be part of Apple Wallet. Apple Pay Later lets you pay for items or services for free over time. In other words, as long as you make your incremental payments, you won’t be charged any interest or additional fees. Apple Pay Later will be available in all places where Apple Pay is accepted, including online and in apps. Apple Pay customers will be able to make contactless payments from June. Retailers do not need additional hardware or payment equipment. Apple Pay Later requires no connectivity and works with your existing Apple Pay. It is still unclear whether Apple Pay Later will be accessible for transactions in brick-and-mortar stores.

How does Apple Pay Later work?

Apple Pay Later allows customers to split a purchase into four equal payments over a six-week period. Apple Pay Later allows consumers to pay for purchases in six weekly installments, starting with the first payment. The remaining three installments will be paid in the next six weeks, with one payment every two weeks. All payments are managed through the Wallet app and users can make these payments in advance if that is more convenient for them. And guess what, Apple Pay Later has no interest rate and no additional fees.

How to Use Apple Pay Later on iOS 16 iPhone?

If a retailer accepts Apple’s contactless payment system, you’ll be given the option to pay with Apple Pay at check-out. When using Apple Pay, you must verify your identity with your Apple device’s Touch ID or Face ID. Once your item has been validated, you will be prompted to pay for it using either ‘Pay in full’ or ‘Pay later’. If you select the latter option, a payment schedule is displayed showing the amounts of the four installments and when they are due. Selecting Pay Later will show you how much you owe today and how much you pay every two weeks.

Are you excited about this new update? I know I am! So now our only option is to wait for the iOS 16 update to be released so we can use this great new feature.

Until next time, with a different topic. Until then, Toodles.

Leave a Comment