Pay with installments using Apple Pay
Pay for your purchase with installments when you check out with Apple Pay, online and in apps on your iPhone or iPad.
To be eligible to pay with installments using Apple Pay online and in apps, you need:
An iPhone or iPad with iOS 18 or iPadOS 18 or later.
To set up Apple Pay.
An installment offer from a debit or credit card issuer or installment provider.
How it works
Buy now, pay later (BNPL) and monthly installment loans allow you to make purchases without the need to make the full payment up front. These installment loans allow you to finance a purchase and pay it back in fixed installments over time. You can now make purchases with installments when you check out with Apple Pay online and in apps on your iPhone or iPad and select the pay later option that works for you.* Installment offers are available on supported debit and credit cards from banks and installment providers.
If your card supports installments, you'll see a Pay Later hint below your card when you check out with Apple Pay online and in apps. Some banks and installment providers may require you to complete an application which is subject to eligibility and approval.
Make a purchase using installments
Tap the Apple Pay button or choose Apple Pay as your payment method.
Tap a card that supports pay later. To see if your default card supports pay later, look for the Pay Later hint under the card. To use a different card, tap Change Payment Method or Other Cards & Pay Later Options.
Tap Pay Later on the Payment Options screen.
If approved, you'll see the installment payment plans available for your purchase from your card issuer.
Select the payment plan that you want to use. Review the details of the plan, including any terms and conditions.
Tap Agree & Continue.
Confirm the payment using Face ID, Touch ID, or your passcode.
Purchases made using installments will be labeled Pay Later in your transaction history in Wallet. You can tap a transaction to see more details about your purchase and to visit the card provider's app or website to manage your installment plan or loan.
Apply for and use additional pay later options
When available, you can apply for an installment loan for your Apple Pay purchase from a supported installment provider at checkout.
Tap the Apple Pay button or choose Apple Pay as your payment method.
Tap Other Cards & Pay Later Options. If options are available, they'll be listed under Additional Pay Later options.
Tap Set Up next to the pay later option you want to use.
Information about the installment provider will be shown. Tap Continue to [Provider Name] to be transferred to the installment provider and follow the instructions to complete your installment loan application.
If your application is approved and you select an installment offer for your purchase, a card will be added to the Wallet app to complete the purchase using Apple Pay.
Once the card has been set up for Apple Pay, confirm the payment using Face ID, Touch ID, or your passcode.
You'll have a card from the installment provider in the Wallet app for you to use for future eligible Apple Pay purchases.
If you don't see pay later options
Your card doesn't support pay later.
The transaction amount might be below the minimum purchase amount, or above the maximum purchase amount, allowed for the card program.
The currency for your purchase isn't supported by the card issuer.
Some purchase types might not be supported, such as subscriptions.
To check eligibility and to find out if your card is compatible to pay with installments, please contact your card issuer.
How to handle order adjustments, returns, or refunds
When you pay with installments using Apple Pay, you can make changes to your order in the same way that you do for other card purchases you make using Apple Pay.
All installment offers, plans, and loans are provided by the card issuer and are subject to the card issuer's eligibility requirements and approval. For issues or questions about installments, making payments, and managing your installment plan, contact the card issuer.
* All loans are offered by your lending provider and are subject to the lending provider's eligibility requirements and approval, as well as other lending provider terms. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. May need an eligible card. This feature is only available with Apple Pay online and in apps, on iPhone or iPad. Not available in-store. Software requirements apply. To ensure you have all features of this product, update your device to the latest software version. Depending on your card, to avoid paying off your loan early, you may need to adjust how you pay your card’s bill. For example, your entire loan may be reflected in the statement balance of your card, and thus paying your statement balance (instead of, for example, the minimum payment due or an adjusted balance) would pay off your entire loan early. Contact your card issuer for more details.
Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
