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

iPhone 17 Pro 3 4ths Perspective Aluminum Camera Module 1

New iPhone 17 Pro Details: Brighter Display, Best Battery Life, and More

Wednesday September 3, 2025 5:33 am PDT by
Apple's iPhone 17 Pro and iPhone 17 Pro Max models will feature a number of significant display, thermal, and battery improvements, according to new late-stage rumors. According to the Weibo leaker known as "Instant Digital," the iPhone 17 Pro models will feature displays with higher brightness, making it more suitable for use in direct sunlight for prolonged periods. The iPhone 16 Pro and...
iPhone 17 Pro Iridescent Feature 2

iPhone 17 Pro Clear Case Leak Reveals Three Key Changes

Sunday August 31, 2025 1:26 pm PDT by
Apple is expected to unveil the iPhone 17 series on Tuesday, September 9, and last-minute rumors about the devices continue to surface. The latest info comes from a leaker known as Majin Bu, who has shared alleged images of Apple's Clear Case for the iPhone 17 Pro and Pro Max, or at least replicas. Image Credit: @MajinBuOfficial The images show three alleged changes compared to Apple's iP...
iphone 16 pro ghost hand

iPhone 17 Pro: 5 Reasons Not to Upgrade This Year

Monday September 1, 2025 4:35 am PDT by
Apple will launch its new iPhone 17 series this month, and the iPhone 17 Pro models are expected to get a new design for the rear casing and the camera area. But more significant changes to the lineup are not expected until next year, when the iPhone 18 models arrive. If you're thinking of trading in your iPhone for this year's latest, consider the following features rumored to be coming to...
iPhone 17 Pro Iridescent Feature 2

iPhone 17 and iPhone 17 Pro Prices Estimated Ahead of Apple Event Next Week

Tuesday September 2, 2025 1:50 pm PDT by
Just one week before Apple is expected to unveil the iPhone 17 series, an analyst has shared new price estimates for the devices. Here are J.P. Morgan analyst Samik Chatterjee's price estimates for the iPhone 17 series in the United States, according to 9to5Mac: Model Starting Price Model Starting Price Change iPhone 16 $799 iPhone 17 ...
iPhone 17 Pro Dark Blue and Orange

iPhone 17 Release Date, Pre-Orders, and What to Expect

Thursday August 28, 2025 4:08 am PDT by
An iPhone 17 announcement is a dead cert for September 2025 – Apple has already sent out invites for an "Awe dropping" event on Tuesday, September 9 at the Apple Park campus in Cupertino, California. The timing follows Apple's trend of introducing new iPhone models annually in the fall. At the event, Apple is expected to unveil its new-generation iPhone 17, an all-new ultra-thin iPhone 17...
iOS 18 on iPhone Arrow Down

Apple Preparing iOS 18.7 for iPhones as iOS 26 Release Date Nears

Sunday August 31, 2025 4:35 pm PDT by
Apple is preparing to release iOS 18.7 for compatible iPhone models, according to evidence of the update in the MacRumors visitor logs. We expect iOS 18.7 to be released in September, alongside iOS 26. The update will likely include fixes for security vulnerabilities, but little else. iOS 18.7 will be one of the final updates ever released for the iPhone XS, iPhone XS Max, and iPhone XR,...
iPhone 17 Pro on Desk Centered 1

Survey: Nearly 70% of Users Plan to Upgrade to iPhone 17

Monday September 1, 2025 8:24 am PDT by
A new survey has found that nearly seven in ten iPhone owners in the United States plan to upgrade to an iPhone 17 model, signaling strong demand ahead of Apple's expected unveiling of the devices at its September 9 keynote. Smartphone price comparison platform SellCell surveyed over 2,000 U.S.-based iPhone users in August to assess upgrade interest and brand loyalty before Apple's event....

Top Rated Comments

sorgo † Avatar
39 months ago
Now introducing! Apple Pay Later, Later!

We think you’re eventually going to love it ;)
Score: 37 Votes (Like | Disagree)
supergt Avatar
39 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)
rappr Avatar
39 months ago
Without a defined timeframe beyond "coming in a future update", how is this delayed?
Score: 12 Votes (Like | Disagree)
ILoveCalvinCool Avatar
39 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
39 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)
Dark_Omen Avatar
39 months ago
How about we get all the features out the door at launch in September instead of drip feeding new features little by little six months later?

What are the programmers doing all day?
Score: 4 Votes (Like | Disagree)