### Apple Wallet Improves Pay Later Features
Since the sudden halt of Apple Pay Later last year, Apple has been consistently incorporating third-party ‘pay later’ services as substitutes. A recent update to the Apple Wallet has made these alternatives more accessible and easier to use.
In the past, Apple Pay supported third-party ‘pay later’ services like Klarna and Affirm, but the procedure was often concealed and cumbersome. Users needed to choose and configure a pay later option during the Apple Pay checkout process, which required double-pressing the iPhone’s side button to initiate Apple Pay, selecting Other Cards & Pay Later Options, and going through the setup process at the point of purchase.
The latest update significantly streamlines this process. As noted by Aaron Perris on social media, Apple has rolled out a new menu in the Wallet app. The ‘Pay Later Options’ feature is available to all Wallet app users on iOS 18 or iOS 26. Users can conveniently access this feature by tapping the ‘+’ button located in the upper-right corner of the app.
This new menu showcases all accessible pay later options, enabling users to finalize the setup process for their selected service before making a purchase. This pre-authorization step boosts convenience and enhances the visibility of these services by incorporating them directly into the Wallet app.
The timing of this update, aligning with the impending iPhone 17 release, indicates a strategic decision by Apple to elevate user experience and engagement with its payment services.
As users become accustomed to these modifications, feedback regarding the experience with pay later options in Apple Pay is welcomed.
