In his Power On newsletter, Gurman does not specify the reasons for delaying the Apple Pay Later feature, nor does he state if there will be changes to it when it officially arrives with iOS 16.4. Though Apple Pay Later provides a flexible payment structure for people to split a purchase into four equal payments over six weeks, it is not without its flaws. For instance, the maximum limit is $1,000, which at this stage, will only get you an unlocked iPhone 14 Pro with 128GB of internal storage. This leads me to believe that the company isn’t completely certain when Apple Pay Later will be ready for launch. It’s possible the feature won’t arrive until iOS 16.4 in the spring. I’m hearing there have been fairly significant technical and engineering challenges in rolling out the service, leading to the delays.” Suppose if customers want to purchase top-end hardware such as the M1 Ultra Mac Studio, Apple Pay Later does not provide such an option, at least at this time. It is also unconfirmed if Apple plans to increase the maximum limit, but whatever is destined for customers, we will witness it in 2023.
