Apple Pay Later payments are laid out in an easy-to-understand format
If you want to see the Apple Pay Later option when using Apple Pay online or in apps on your iPhone or iPad, you must have the feature toggled on. Go to Settings > Wallet & Apple Pay and toggle on the Show Apple Pay Later Option. Once you take out an Apple Pay Later loan, you can track and monitor your loan and even see when you have to make payments on a calendar. You’ll also receive a Wallet notification and email reminding you when a payment is due.
If you’re going to use Apple Pay Later, make sure to toggle on this setting found in the Wallet & Apple Pay menu
A debit card linked to the Apple Wallet app must be used as the method to make loan repayments. Apple will not allow a credit card to be used to repay Apple Pay Later since that would be using debt to pay off debt which is considered fiscally irresponsible.