# Apple Pay Expands Payment Plans and Elevates User Experience
Apple has recently revealed thrilling enhancements to its Apple Pay service, celebrating a notable achievement as it marks its 10th anniversary. The company is broadening its installment payment options, offering users in the U.S. and U.K. access to flexible financing choices from various providers. This initiative not only improves the shopping experience but also establishes Apple Pay as a more adaptable payment solution within the expanding buy now, pay later (BNPL) sector.
## New Installment Plans Accessible
As part of the recent updates with iOS 18, qualifying Apple Pay users can now opt for installment loans from two providers: **Affirm** in the U.S. and **Monzo Flex** in the U.K. These plans will be available at checkout for online and in-app transactions on iPhone and iPad. Furthermore, beginning today, users can also take advantage of **Klarna’s** adaptable payment choices at checkout, broadening their options for managing payments.
### Future Growth of Providers
Apple aims to further enhance its installment payment offerings. Soon, users in the U.S. will gain access to installment options through eligible credit and debit cards from a variety of issuers, including **Citi**, **Synchrony**, and more associated via **Fiserv**. Globally, users in countries like Australia, Singapore, Spain, and Canada will also soon benefit from similar offerings. This growth illustrates Apple’s dedication to delivering a seamless and flexible payment experience across diverse markets.
## PayPal Integration within Apple Wallet
Alongside the new installment choices, Apple has disclosed that U.S. customers will soon be capable of viewing their **PayPal balance** directly within the Apple Wallet. This feature, expected to launch next year, will empower users with enhanced visibility and confidence while making purchases with their PayPal debit cards. This integration reflects Apple’s mission to improve user experience by centralizing financial tools within its ecosystem.
## Apple Pay on External Browsers and Computers
Another significant update is the capability to utilize Apple Pay on third-party web browsers and computers. Users will now have the option to finalize transactions securely by scanning a code with their iPhone or iPad at checkout. This feature extends the applicability of Apple Pay beyond Apple’s own platforms, making it a more available payment method for a wider audience.
## Rising Popularity of Apple Pay
Since its inception, Apple Pay has experienced remarkable growth, now being adopted by hundreds of millions of users across **78 countries**. The service is backed by over **11,000 banks and financial partners**, underscoring its broad acceptance and popularity. As the demand for digital payment solutions rises, Apple continues to innovate and evolve to cater to user needs.
## Conclusion
With the rollout of new installment plans, PayPal integration, and increased usability on external platforms, Apple Pay is solidifying its status as a premier digital payment solution. These upgrades not only offer users enhanced flexibility and convenience but also mirror the continuous advancement of payment technologies in the digital era. As Apple expands its services, users can anticipate a more cohesive and user-friendly payment experience.
