In the USA, Apple is now adding a feature called Apple Pay Later. It is a credit solution where the payment is divided into four parts where you pay the first quarter at the time of purchase and then a quarter every other week. After six weeks, everything should be paid off.
Users can apply to borrow between $50 and $1,000, and they do so directly in the Wallet app. If approved, they can use Apple Pay to use the credit, which must then be paid within six weeks.
