Apple Pay Expands Installment Payment Options in the U.S.
Apple Pay is making significant strides in the U.S. by enhancing partnerships with additional banking institutions and “pay with installment” services. Up until now, two leading companies have collaborated with Apple on this front: Affirm and Klarna. Soon, it seems that a third option, Synchrony, will also join the mix. Below is an updated overview of banks and installment payment providers currently compatible with Apple Pay in the United States.
Potential Addition of Synchrony
Though not yet confirmed officially by Apple, Synchrony recently appeared on a revised list of supported financial services published by Aaron Perris (as reported by MacRumors). Shortly after this discovery was made public, however, the company’s name was removed from the list—suggesting that an official announcement regarding this partnership has yet to occur.
Interestingly enough, both Synchrony and Synchrony Bank have consistently featured in previous listings as supported financial institutions. Likewise, Klarna appears on both lists—the banks and installment providers—which indicates a similar future for Synchrony once its association with Apple becomes official.
User Benefits from the New Collaboration
If this partnership comes into fruition, users will soon be able to utilize Synchrony’s services alongside Affirm and Klarna for their installment payments. Presently, Apple Pay’s “pay with installments” feature is available in both the U.S. and U.K., where Klarna partnered primarily provides these options along with Monzo serving residents across the pond.
Understanding Differences: Apple’s Installment Payment Systems
The two features—“Pay Later” offered directly through Apple versus existing plans like those from Affirm or Klarna—provide distinct functions for users looking to manage their expenses more effectively. While “Pay Later” allows users to postpone payment over several months directly through Apple’s platform, “pay with installments” breaks down costs into manageable segments based on terms set forth by partner issuers such as Affirm or Klarna. This option suits individuals without access to conventional credit cards; however eligibility criteria are dictated by these service providers rather than being universal across all users.
A Spectrum of Financial Institutions Supporting Apple Pay
Apple Pay continues its collaborations with a diverse array of banking entities ranging from nationwide banks down to smaller regional players within the United States market. While we highlight major participants here—as detailed below—it’s advisable for users seeking comprehensive updates on supported institutions to refer directly to Apple’s website.
- Major Banks:
- Bank of America
- Chase
- Citi
- Capital One
- wells Fargo
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- SNC Bank li >
- NBC Bank li >
- Installment Providers: li >
- Klarna li >
- Afirm< /lh >
< l i >Sync (Awaiting Official Confirmation)
Sharp (UK Exclusive)
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المصدر: MacRumors | دعم آبل