Apple Pay Expands with New Financing Options and Windows, Chrome Support This Fall

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This fall, Apple Pay will introduce new financing options, including buy now, pay later services, and rewards points integration. Additionally, Apple Pay will be accessible on Windows computers and Chrome browsers, significantly expanding its user base. Learn more about these exciting updates and how they will enhance your digital payment experience.

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Apple Pay Expands Payment Options and Welcomes Windows and Chrome Users

Apple Inc. is set to revolutionize its digital payment service, Apple Pay, with a slew of new features and integrations that will roll out this fall. Announced during its annual developer conference and detailed further on Tuesday, these updates promise to enhance the user experience by incorporating more flexible financing options, rewards programs, and expanding the availability of Apple Pay to non-iOS users.

Enhanced Financing and Rewards Integration

One of the most significant updates to Apple Pay is the integration of multiple financing options within the platform. Currently, Apple Pay users can fund purchases using credit or debit cards. However, the upcoming update will allow banks to offer additional financing methods through these cards. This includes “buy now, pay later” (BNPL) options, monthly installment plans, and the ability to pay with reward points.

The inclusion of BNPL services like Affirm into Apple Pay is a notable enhancement. Users will be able to apply for an Affirm account directly within Apple Pay, streamlining the process and offering more flexibility in payment methods. Following the announcement, Affirm’s shares saw a nearly 5% rise, reflecting the market’s positive reception. Moreover, Apple’s own BNPL service, Apple Pay Later, will continue to be available, and other major BNPL companies like Klarna will also be able to integrate into Apple Wallet.

Expansion to Windows and Chrome

A key limitation of Apple Pay has been its exclusivity to iOS devices, which constitute about one-third of the global smartphone market. Recognizing the need for broader accessibility, Apple announced that later this year, Apple Pay will become available on Windows computers and Google’s Chrome browser. This expansion will allow users on these platforms to scan a code and approve Apple Pay transactions on their iPhone, significantly widening the service’s reach.

The Evolution of Apple Pay and Apple Wallet

Since its inception nearly a decade ago, Apple Pay has become a dominant player in the mobile and digital payments space. Its integration with nearly all banks and credit card companies has made it a ubiquitous presence in the payments industry. Apple Wallet has similarly evolved, with mobile concert tickets becoming standard and several states experimenting with digital driver’s licenses.

The upcoming updates are set to deepen Apple Pay’s integration into the financial lives of its users. By allowing banks to offer more diverse financing options and enabling the use of rewards points, Apple is positioning its payment service as not just a transactional tool but a comprehensive financial solution.

Key Takeaways from the Announcement

1. Comprehensive Financing Options

Banks will now have the capability to offer a variety of financing options through Apple Pay. This includes BNPL services, monthly installment plans, and the ability to pay with reward points. This diversification of payment options will provide users with greater flexibility and control over their finances.

2. Affirm Integration

The integration of Affirm into Apple Pay marks a significant expansion of the BNPL service within Apple’s ecosystem. Users can apply for and use Affirm financing directly within Apple Pay, simplifying the process and providing a seamless user experience. This move is expected to enhance user engagement and satisfaction with Apple Pay’s services.

3. Continued Support for Apple Pay Later and Klarna

Apple’s own BNPL service, Apple Pay Later, will continue to be a cornerstone of its payment offerings. Additionally, major BNPL providers like Klarna will also be integrated into Apple Wallet, ensuring that users have access to a variety of financing options from trusted providers.

4. Expansion Beyond iOS

By extending Apple Pay’s availability to Windows computers and Chrome browsers, Apple is significantly broadening its potential user base. This expansion is expected to drive adoption among users who do not own iOS devices, further entrenching Apple Pay as a leading digital payment platform.

Future Implications for Users and the Market

The upcoming updates to Apple Pay and Apple Wallet are poised to significantly impact both users and the broader financial technology market. For users, the enhanced flexibility and expanded access will make Apple Pay a more attractive option for managing their financial transactions. The ability to use Apple Pay on Windows and Chrome devices will be particularly appealing to those who prefer or are required to use these platforms for work or personal use.

For the market, these updates signify Apple’s continued push to dominate the digital payments space. By integrating more financing options and expanding its reach, Apple is setting the stage for increased competition with other payment platforms. The inclusion of BNPL services like Affirm and Klarna within Apple Pay highlights the growing importance of flexible payment solutions in today’s financial landscape.


Apple’s planned updates to Apple Pay and Apple Wallet represent a significant step forward in the evolution of digital payments. By offering a broader range of financing options, integrating reward points, and expanding to non-iOS platforms, Apple is enhancing the utility and accessibility of its payment services. These changes are likely to drive increased adoption and user satisfaction, cementing Apple Pay’s position as a leading digital payment platform. As these updates roll out later this year, users can look forward to a more integrated and flexible payment experience, whether they are using an iPhone, a Windows computer, or a Chrome browser.

With these enhancements, Apple continues to demonstrate its commitment to innovation and user-centric design, ensuring that its payment services remain at the forefront of the financial technology industry.

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