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,...
Apple MacBook Pro with PROLED XDR Display family lineup feature

Apple Announces OLED MacBook Pro With Touch Display

Wednesday October 28, 2026 10:11 am PDT by
Apple today announced a new high-end MacBook Pro, which is available in 14-inch and 16-inch sizes. The new device has a PROLED XDR display that supports touch gestures, and a glowing rear Apple logo. Pricing on the MacBook Pro starts at $2,899 for the 14-inch model and $3,399 for the 16-inch model. Apple says the MacBook Pro has the "world's best display in a pro laptop." The PROLED...
iPad mini OLED feature 1

Apple Executive Comments on New iPad Mini Lacking 120Hz Display

Thursday October 29, 2026 1:47 pm PDT by
While the new iPad mini has an OLED display, the device does not support ProMotion, meaning the display's refresh rate is limited to 60Hz instead of 120Hz. ProMotion support would have allowed for the iPad mini's refresh rate to automatically adjust from 10Hz to 120Hz depending on the content being displayed, but evidently Apple has kept the feature exclusive to the iPad Pro among iPad...

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 Watch Ultra 4 Hits All-Time Low Price With Amazon's $99 Discount
Apple Watch Ultra 4 Hits All-Time Low Price With Amazon's $99 Discount
13 minutes ago
Here's a New Tour of Apple's HomeView Software
Here's a New Tour of Apple's HomeView Software
20 minutes ago
Apple Reveals New iPad Mini's Battery Capacity
Apple Reveals New iPad Mini's Battery Capacity
2 hours ago
Top Stories: Apple's Big MacBook Pro, iPad mini and iMac Updates
Top Stories: Apple's Big MacBook Pro, iPad mini and iMac Updates
3 hours ago
'Pluribus' Season 2 Reportedly Starts Production Today
'Pluribus' Season 2 Reportedly Starts Production Today
9 hours ago
iPhone 18 Pro Sales Surge in China, Offsetting Decline in U.S. and Japan
iPhone 18 Pro Sales Surge in China, Offsetting Decline in U.S. and Japan
10 hours ago
HomeView Software 27.2: Wallpapers, Control Center, and More
HomeView Software 27.2: Wallpapers, Control Center, and More
17 hours ago
Apple Alerts Stores to iPhone Duo's Display Cracking Issue
Apple Alerts Stores to iPhone Duo's Display Cracking Issue
18 hours ago
iOS 27.3 Will Enable These Apple Intelligence Features in China
iOS 27.3 Will Enable These Apple Intelligence Features in China
18 hours ago
Apple Says iOS 27.3 Beta Coming Next Week
Apple Says iOS 27.3 Beta Coming Next Week
18 hours ago
Apple's Flash Storage Suppliers Are Finally 'Getting Their Revenge'
Apple's Flash Storage Suppliers Are Finally 'Getting Their Revenge'
20 hours ago
14 New Things Your iPhone Can Do in iOS 27.2
14 New Things Your iPhone Can Do in iOS 27.2
20 hours ago
iPhone Duo Review: One Week Later
iPhone Duo Review: One Week Later
21 hours ago
Samsung Mocks iPhone Duo Display Cracks in New Ad Campaign
Samsung Mocks iPhone Duo Display Cracks in New Ad Campaign
23 hours ago
The MacRumors Show: OLED MacBook Pro, iPad Mini 8, and More
The MacRumors Show: OLED MacBook Pro, iPad Mini 8, and More
23 hours ago
MacBook Pro With Touch Display: 15 More Details Revealed
MacBook Pro With Touch Display: 15 More Details Revealed
23 hours ago
Russia Places Apple on State Surveillance Registry
Russia Places Apple on State Surveillance Registry
1 day ago
Halloween Weekend Brings Discounts on Apple Accessories and Pre-Orders
Halloween Weekend Brings Discounts on Apple Accessories and Pre-Orders
1 day ago
Apple Has Released More Than 25 New Products in the Past Two Months
Apple Has Released More Than 25 New Products in the Past Two Months
1 day ago
Local Code Launches as Free, Private AI Assistant Tool for Mac
Local Code Launches as Free, Private AI Assistant Tool for Mac
1 day ago
Apple Acquires Ascend.io
Apple Acquires Ascend.io
1 day ago
HomePod Mini 2 Launches Today: All the New Features
HomePod Mini 2 Launches Today: All the New Features
1 day ago
AirTag 2 4-Pack Drops to New Low Price of $69.99
AirTag 2 4-Pack Drops to New Low Price of $69.99
1 day ago
Rian Johnson's iPhone Camera App Goes Viral
Rian Johnson's iPhone Camera App Goes Viral
1 day ago
Where Did All the iPhone Duos Go? Mostly to Apple's Stores
Where Did All the iPhone Duos Go? Mostly to Apple's Stores
1 day ago
Apple's Touchscreen MacBook Pro Could Ship 1.5M Units in 2027
Apple's Touchscreen MacBook Pro Could Ship 1.5M Units in 2027
1 day ago
New Apple TV 4K and iPad Mini: RAM Amounts Revealed
New Apple TV 4K and iPad Mini: RAM Amounts Revealed
2 days ago
Apple Executive Comments on New iPad Mini Lacking 120Hz Display
Apple Executive Comments on New iPad Mini Lacking 120Hz Display
2 days ago
Here's a Hands-On Look at HomePod Mini 2's New Two-Tone Colors
Here's a Hands-On Look at HomePod Mini 2's New Two-Tone Colors
2 days ago
Apple Lowers App Store Fees in Taiwan Starting October 31
Apple Lowers App Store Fees in Taiwan Starting October 31
2 days ago

🔗 Related Apple News & Rumors

Stay updated with the latest Apple ecosystem news and verified rumors