Pay in instalments using Apple Pay

Pay for your purchase with instalments when you check out with Apple Pay and select the pay later option that works for you.

To be eligible to pay with instalments using Apple Pay, you’ll need:

All instalment plans are provided by the card issuer and are subject to the card issuer's eligibility requirements and approval. For issues or questions about instalments, making payments and managing your instalment plan, please contact the card issuer or instalment provider.

How it works

Buy now, pay later (BNPL) and monthly instalment plans allow you to make purchases without the need to make the full payment up front. These payment plans allow you to finance a purchase and pay it back in fixed instalments over time. You can now make purchases in instalments when you check out with Apple Pay on your iPhone or iPad and select the pay later option that works for you.* Instalment offers are available on supported debit and credit cards from banks and instalment providers.

If your card supports instalments, you’ll see a Pay Later hint below your card when you check out with Apple Pay online and in apps. When you check out in store, you’ll see Pay Later options after you’ve selected your payment method. Some banks and instalment providers may require you to complete an application, which is subject to eligibility and approval.

Make a purchase using instalments online and in apps

  1. Tap the Apple Pay button or choose Apple Pay as your payment method.

  2. 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.

    “Pay in Full” and “Pay Later” hints on the selected payment card.

  3. Tap Pay Later on the Payment Options screen.

  4. If approved, you’ll see the instalment payment plans available for your purchase from your card issuer.

  5. Select the payment plan you want to use. Review the details of the plan, including any terms and conditions.

  6. Tap Agree & Continue.

  7. Confirm the payment using Face ID, Touch ID or your passcode.

Purchases made using instalments will be labelled 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 instalment plan.

Make a purchase using instalments in store

  1. Double-click the side button and tap the credit or debit card you want to use.

  2. If your card is eligible, you’ll see the option to tap Pay Later.

    “Pay In Full” and “Pay Later” buttons on an eligible card during in-store checkout with Apple Pay.

  3. You’ll see the option to tap Choose a Plan.

  4. To set up an instalment plan before your purchase, enter your Planned Purchase Amount and follow the instructions on the screen.

  5. To finalise the checkout, hold the top of your iPhone near the card reader until you see Done or a tick on the screen.

Apply for and use additional pay later options

When available, you can apply for an instalment plan for your Apple Pay purchase from a supported instalment provider at the checkout or directly in the Wallet app.

  1. Tap the Apple Pay button or choose Apple Pay as your payment method when you check out online and in apps.

  2. Tap Other Cards & Pay Later Options. If options are available, they’ll be listed under Additional Pay Later options.

  3. Tap Set Up next to the pay later option you want to use.

    The Payment Method screen. Available pay later providers will be listed under Additional Pay Later Options.

  4. Information about the instalment provider will be shown. Tap Continue to [Provider Name] to be transferred to the instalment provider and follow the instructions to complete your instalment plan application.

  5. If your application has been approved and you’ve selected an instalment offer for your purchase, a card will be added to the Wallet app to complete the purchase using Apple Pay.

  6. After 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 instalment provider in the Wallet app for you to use for future eligible Apple Pay purchases.

To apply for and use additional pay later options in the Wallet app, open the Wallet app, tap the Add Card buttonnull, then tap Pay Later Options and follow the prompts to apply. If approved, you’ll add a card from the instalment provider in the Wallet app to complete your purchase.

If you don't see pay later options, please contact the card issuer for more support.

How to handle order adjustments, returns or refunds

When you pay in instalments using Apple Pay, you can make changes to your order in the same way that you can do for other card purchases you make using Apple Pay. If you have any questions about order adjustments, returns or refunds, contact your 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. Software requirements apply. To ensure you have all of the 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.

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