Apple has introduced significant updates to its Wallet app, making it easier for users to access and utilize third-party ‘pay later’ services. This move follows the discontinuation of the Apple Pay Later feature last year, prompting the tech giant to integrate alternatives like Klarna and Affirm into its payment ecosystem.
The latest update introduces a dedicated ‘Pay Later Options’ menu within the Wallet app, streamlining the setup process for users. Previously, individuals had to navigate through multiple steps during the checkout process to access pay later services. Users would initiate Apple Pay by double-clicking the side button on their iPhone, then select “Other Cards & Pay Later Options,” and finally complete the setup for their chosen service. The new feature simplifies this by allowing users to easily view and select available pay later options ahead of time.
According to tech commentator Aaron Perris, the enhancement is available to all Wallet app users on both iOS 18 and iOS 26. Users can access the new menu by tapping the ‘+’ button located in the top-right corner of the app. This menu presents a list of all available pay later services, making it straightforward for users to set up their preferred option before they make a purchase.
This proactive approach to pre-authorization is expected to enhance the overall user experience, making the process of utilizing these financial services more efficient. Furthermore, by integrating these services directly into the Wallet app, Apple increases their visibility, encouraging more users to explore and utilize pay later options.
The timing of this update suggests a strategic alignment with the upcoming launch of the iPhone 17, although Apple has not officially confirmed any direct correlation. Regardless, the update represents a significant improvement in functionality for the Wallet app, catering to the growing demand for flexible payment solutions.
As consumers increasingly seek convenience in their financial transactions, Apple’s enhancements to its Wallet app could position the company favorably in the competitive landscape of digital payments. Users are encouraged to share their experiences with pay later options through the app, fostering a community dialogue around these new features.
