Report: 'Apple Pay Later' Likely Delayed Until Spring 2023 With iOS 16.4 - MacRumorsOpen MenuShow RoundupsShow Forums menuVisit ForumsOpen Sidebar
Skip to Content

Report: 'Apple Pay Later' Likely Delayed Until Spring 2023 With iOS 16.4

Apple Pay Later, an upcoming service from Apple that will let qualifying U.S. customers split a purchase into four equal payments over six weeks, is reportedly being delayed until 2023 due to technical engineering challenges.

Apple Pay Later Quick Green Feature
Announced at WWDC in June, Apple has said that ‌Apple Pay‌ Later will be "coming in a future update" to iOS 16, but the company has not provided a specific timeframe. Bloomberg's Mark Gurman said today in his Power On newsletter that the service is likely to face a delay and launch in the spring as part of an iOS 16.4 update.

This leads me to believe that the company isn't completely certain when Apple Pay Later will be ready for launch. It's possible the feature won't arrive until iOS 16.4 in the spring. I'm hearing there have been fairly significant technical and engineering challenges in rolling out the service, leading to the delays.

‌Apple Pay‌ Later will be built into the Wallet app and be available for purchases online and in apps on the iPhone and iPad. The Wallet app, alongside the upcoming ‌Apple Pay‌ Later service, gained other new features with iOS 16, such as the ability to track online orders and more.

Popular Stories

apple pay feature dynamic island

UK Proposes New Ways to Help Apple Pay Rivals

Tuesday October 20, 2026 9:57 pm PDT by
The UK's competition regulator has proposed changes to make it easier and cheaper for companies to offer alternatives to Apple Pay on the iPhone (via Reuters). The Competition and Markets Authority (CMA) says Apple's fees and restrictions make it too difficult for rivals to launch contactless payment apps. Its proposals would give developers more ways to access the iPhone's NFC technology,...
duo aquarium

More Fun iPhone Duo Apps: 30 New Picks to Try

Friday November 6, 2026 3:27 pm PST by
When the iPhone Duo launched, we shared a list of some of the fun apps developers created for the new form factor. Two weeks out, developers are continuing to come up with fresh ideas, so we thought we'd share some of our favorites. Games Marbles Unhinged ($2.99) - Marbles Unhinged is a marble maze designed for the Duo. When you fold it, the floor turns into a ramp. If you stand the top...
apple pro tell logo

Apple Launching Five New Products Today

Thursday November 5, 2026 12:59 am PST by
Apple is launching five new products on Friday, November 6, following pre-orders that opened last week, including its first touchscreen MacBook Pro models. The following new products will be available from today: iPad mini with OLED display and A20 Pro chip iMac with M6 chip 14-inch MacBook Pro with M6 chip 14-inch MacBook Pro with OLED touchscreen 16-inch MacBook Pro with OLED...

Top Rated Comments

54 months ago
Now introducing! Apple Pay Later, Later!

We think you’re eventually going to love it ;)
Score: 37 Votes (Like | Disagree)
54 months ago
So Apple is going to enable and facilitate America’s ever growing love of debt?

I wish they’d focus on fixing their software instead.
Score: 16 Votes (Like | Disagree)
54 months ago
Without a defined timeframe beyond "coming in a future update", how is this delayed?
Score: 12 Votes (Like | Disagree)
54 months ago
I don't really understand the appeal of six-week financing, but I suspect I'm not the target audience. I can't imagine that this type of short-term way of thinking about money is anything but detrimental.
Score: 8 Votes (Like | Disagree)
sw1tcher Avatar
54 months ago
Delay could be due to upcoming regulations CFPB will be issuing.

https://www.reuters.com/business/finance/us-consumer-watchdog-plans-regulate-buy-now-pay-later-companies-2022-09-15/

Apple is probably holding off so their BNPL product will meet those new regulations.
Score: 5 Votes (Like | Disagree)
54 months ago
A very smart woman I know often says: “Pay now or pay later. It’s usually cheaper to pay now.”
Score: 4 Votes (Like | Disagree)
Latest Stories
Apple Store Subscription Sign-Up Controversy Exposed
Apple Store Subscription Sign-Up Controversy Exposed
2 hours ago
Siri AI Rumored to Become 'More Like an Agent' as Early as Next Year
Siri AI Rumored to Become 'More Like an Agent' as Early as Next Year
12 hours ago
Apple Taking New Approach to Developing iOS 28 and macOS 28
Apple Taking New Approach to Developing iOS 28 and macOS 28
14 hours ago
Early Apple Black Friday Deals on Apple Watch, MacBook Air, and More
Early Apple Black Friday Deals on Apple Watch, MacBook Air, and More
1 day ago
'Backglow' Lets You Customize New MacBook Pro's Glowing Apple Logo
'Backglow' Lets You Customize New MacBook Pro's Glowing Apple Logo
1 day ago
Top Stories: Apple Product Launches, iOS 27.3 Beta, and More
Top Stories: Apple Product Launches, iOS 27.3 Beta, and More
2 days ago
More Fun iPhone Duo Apps: 30 New Picks to Try
More Fun iPhone Duo Apps: 30 New Picks to Try
2 days ago
Hands-On With Apple's New OLED Touchscreen MacBook Pro
Hands-On With Apple's New OLED Touchscreen MacBook Pro
2 days ago
Apple Store With All-New Design Opening Soon in Southern California
Apple Store With All-New Design Opening Soon in Southern California
2 days ago
Control the Glowing Apple Logo on Your New MacBook Pro
Control the Glowing Apple Logo on Your New MacBook Pro
2 days ago
Apple Shares New 'Apple Card: Apply and Use in Minutes' Ad
Apple Shares New 'Apple Card: Apply and Use in Minutes' Ad
3 days ago
Apple Says More Than 100,000 Apps Optimized for iPhone Duo, Here's What's Still Missing
Apple Says More Than 100,000 Apps Optimized for iPhone Duo, Here's What's Still Missing
3 days ago
Early Black Friday Deals Kickoff With Steep Discounts on Apple Watch Ultras and More
Early Black Friday Deals Kickoff With Steep Discounts on Apple Watch Ultras and More
3 days ago
The MacRumors Show: iOS 27.3 Looks Like a Huge Update
The MacRumors Show: iOS 27.3 Looks Like a Huge Update
3 days ago
Best Buy's Black Friday Event Begins With Sitewide Savings on Apple, TVs, More
Best Buy's Black Friday Event Begins With Sitewide Savings on Apple, TVs, More
3 days ago
Apple Releasing Yet Another Two New Products Next Week
Apple Releasing Yet Another Two New Products Next Week
3 days ago
MacBook Air Drops to Lowest Price in Months With Amazon's $250 Discount
MacBook Air Drops to Lowest Price in Months With Amazon's $250 Discount
3 days ago
Apple Rumored to Drop the iPhone's Action Button Next Year
Apple Rumored to Drop the iPhone's Action Button Next Year
3 days ago
Apple's Extended Return Policy Now in Effect for 2026 Holiday Season
Apple's Extended Return Policy Now in Effect for 2026 Holiday Season
3 days ago
Apple Music Classical Updated With New Icon and Refreshed Design
Apple Music Classical Updated With New Icon and Refreshed Design
3 days ago
OLED iPad Mini, M6 iMac, and New MacBook Pros Available From Today
OLED iPad Mini, M6 iMac, and New MacBook Pros Available From Today
3 days ago
Apple Surveys iPhone Duo Buyers About Crease and Camera
Apple Surveys iPhone Duo Buyers About Crease and Camera
3 days ago
Apple's First Touchscreen Mac is Now Arriving to Customers
Apple's First Touchscreen Mac is Now Arriving to Customers
3 days ago
Claude Gets Personal Finance Feature With Bank Account Linking
Claude Gets Personal Finance Feature With Bank Account Linking
3 days ago
Apple Arcade Adds Crossy Road Rush and NBA 2K27
Apple Arcade Adds Crossy Road Rush and NBA 2K27
3 days ago
Apple's New HomeView Smart Home Hub: Here's How Much RAM It Has
Apple's New HomeView Smart Home Hub: Here's How Much RAM It Has
3 days ago
iPad Mini vs. iPad Air Buyer's Guide: Now Just $50 Apart
iPad Mini vs. iPad Air Buyer's Guide: Now Just $50 Apart
3 days ago
First iOS 27.3 and macOS Golden Gate 27.3 Public Betas Now Available
First iOS 27.3 and macOS Golden Gate 27.3 Public Betas Now Available
3 days ago
Apple Announces a New Mac Sales Record
Apple Announces a New Mac Sales Record
3 days ago
Paid $200 for Logic Pro? Apple Says You Won't Get This New Feature
Paid $200 for Logic Pro? Apple Says You Won't Get This New Feature
4 days ago