Synchrony Pay Later coming soon to Apple Pay

Synchrony Pay Later can soon be used to complete purchases in installments via Apple Pay.

Synchrony joins existing companies such as Affirm and Klarna, both of which offer buy-now, pay-later services via Apple Pay. They act as a replacement to Apple Pay Later, an installment service Apple abandoned in 2024.

The support page for Apple Pay lists Synchrony under the pay with installments section, first discovered by MacRumors. The service should appear under the "Other Cards & Pay Later Options" at checkout when using Apple Pay.

Apple Pay is a digital payment service launched by Apple over a decade ago in 2014. Apple Pay makes it possible to complete payments on an iPhone without the use of a physical card, offering added convenience.

While Apple had ambitious plans for Apple Pay Later, the company discontinued the pay-later service in favor of third-party options. It isn't clear why the change was made beyond Apple not wanting to continue to financially back the loans with its own capital.

Because of this, companies such as Synchrony make it possible to split Apple Pay purchases into smaller installments, which is effectively what Apple Pay Later used to offer. However, users will have to apply through the individual processors rather than relying on a service that was built into their Apple Card service.

The Synchrony Pay Later service doesn't appear to be available in Apple Pay at the time of publication. It being listed on Apple's support page is a good sign that it will appear soon.