Apple Pay Now Integrates With Affirm On Ios 18 Following Apple Pay Later Discontinuation

## Apple Pay Expands Credit Options: Affirm Integration Postpones 'Apple Pay Later' **Changes in Apple's Payment System** Apple has recently announced a partnership with Affirm, a leading buy now, pay later (BNPL) provider, to integrate Affirm's services into Apple Pay on iOS 18. This move comes after Apple discontinued its own BNPL service, "Apple Pay Later," in September 2022. **Affirm Integration** The integration of Affirm with Apple Pay allows users to split their purchases into smaller, interest-free installments over time. This feature is available for purchases made with Apple Pay both online and in-store. Affirm offers a range of repayment plans, with varying durations and interest rates, depending on the user's creditworthiness. **Why Choose Affirm?** Affirm is a reputable BNPL provider known for its transparent terms and competitive rates. The company has partnered with several major retailers, including Amazon, Walmart, and Target, making it a convenient option for consumers. **Benefits for Customers** The integration of Affirm with Apple Pay provides several benefits to customers: * **Flexible Payment Options:** Allows users to spread the cost of their purchases over time, making them more manageable. * **Interest-Free Financing:** Offers 0% APR financing for eligible purchases, eliminating interest charges. * **Credit Building Opportunities:** Using Affirm responsibly can help users build their credit history and improve their credit score. **Impact on Apple Pay Later** The discontinuation of Apple Pay Later and the integration of Affirm raise questions about the future of BNPL services within Apple's ecosystem. Some experts believe that Apple may have realized that partnering with an established BNPL provider like Affirm would be more advantageous than developing and managing its own service. **Conclusion** The integration of Affirm with Apple Pay on iOS 18 provides users with a convenient and flexible way to finance their purchases. While the discontinuation of Apple Pay Later may be seen as a setback, the partnership with Affirm shows Apple's continued commitment to offering innovative financial services to its users.