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# Affirm Integrates BNPL into Apple Pay for Online and In-App US Purchases via iOS 18
- URL: https://www.theglobalbanker.com/affirm-bnpl-apple-pay-ios-18-all-merchants-launch/
- Published: 2024-09-17T14:13:00.000Z
- Updated: 2026-10-02T13:33:33.000Z
- Description: Affirm's buy now, pay later service became available within Apple Pay on 16 September 2024, letting US consumers split online and in-app purchases made with Apple Pay.
- Author: TGB Editorial Team
- Tags: Fintech, Americas, #archive

Affirm's buy now, pay later service became available to consumers through Apple Pay on 16 September 2024, coinciding with the release of Apple's iOS 18 and iPadOS 18 updates, the company confirmed. The integration means that Affirm's instalment loan product is now accessible for online and in-app purchases at merchants that accept Apple Pay, without requiring individual merchants to establish a separate integration with Affirm.

Previously, the lender's products were available primarily at merchants that had directly integrated Affirm into their checkout flows. 

#### HOW THE CHECKOUT EXPERIENCE WORKS

Consumers on iPhone and iPad running iOS 18 or iPadOS 18 can access Affirm by selecting 'Other Cards & Pay Later Options' during the Apple Pay checkout process. The option surfaces alongside traditional payment methods stored in the Apple Wallet, enabling users to apply for and complete an Affirm instalment plan within the native Apple Pay interface without being redirected to a separate application or website.

Vishal Kapoor, Affirm's Senior Vice President of Product, said the integration "combines the ease, convenience and security of Apple Pay alongside the features users love in Affirm – flexibility, transparency and no late or hidden fees." The lender handles the underwriting and credit decisioning for each transaction in real time.

#### APPLE'S PRIOR PAY-LATER PRODUCT

Apple had previously offered its own pay-later product in the United States, Apple Pay Later, which it launched in March 2023 and made available to a broader audience in the months that followed. Apple discontinued Apple Pay Later in June 2024, shifting to instalment loans from third-party lenders such as Affirm within Apple Pay.

Affirm said the launch marks the availability of its service through the Apple Pay ecosystem, with the product accessible on iPhone and iPad from 16 September 2024\. The company did not disclose projections for transaction volumes flowing through the Apple Pay channel.