With another year ofBlack Friday salesrapidly approaching, there’s no better time than now to take stock of all your financing options. If you’re a user ofApple Pay– the default payment system across theApple Watch,iPhone,iPad, andMac– then you have a wealth of options at your disposal.
Apple previously offered its own in-house Apple Pay Later feature,but shuttered the serviceearlier this year. Thankfully, third-party options have picked up the mantle – here’s the lowdown on how to make use of theKlarnaandAffirmfinancing tools, all while remaining withinthe sphere of Apple Pay.
How to set up and use Apple Pay across your devices
Apple Pay makes purchases more convenient with just a tap of your iPhone or Apple Watch. You can also checkout online without digging out your wallet.
How to set up split payments via Klarna using Apple Pay
The process only requires a few simple steps
An online shopping and payments app that allows you to shop now and pay later, with Apple Pay integration.
To leverageKlarna’s split payment optionwithin Apple Pay, follow these steps:
According to the Klarna support page, this financing capability is limited to iPhones and iPads running iOS 18 and iPadOS 18 or later, respectively. Regional availability also varies – for the time being, Apple Pay’s Klarna integration is exclusively available in the US, in the UK, and in Canada.
Apple Pay gets new flexible payment integration and announces big upgrade coming in 2025
Apple has announced PayPal is coming to Apple Pay next year. New payment plan options are also available now.
How to set up split payments via Affirm using Apple Pay
The process of using Affirm is not unlike that of Klarna
An online shopping and financing app that allows you to make split payments on purchases, with Apple Pay integration.
To get started withAffirm’s split payment optionwithin Apple Pay, follow these steps:
As is the case with Klarna, Apple Pay’sAffirm integration is limited toApple devices running iOS 18 and iPadOS 18 and later. Affirm via Apple Payis currently availablewithin the US and Canadian markets.
In order to take advantage of either Klarna or Affirm and their financing benefits, you’ll need to be registered and set up with Apple Pay.Pocket-lint has a dedicated articlewith steps on how to complete the Apple Pay setup process.
Once everything is set up, you’ll find that these financing apps offer a variety of split payment options – the precise details will depend on the price of whichever product you’re purchasing.Klarna offersa popular 4 interest-free payment option, for example, andAffirm has comperable optionsavailable.
Bye now, pay later: Apple Pay Later is shutting down
Apple Pay Later is leaving us already, but an alternative is in the pipeline.
