Trending February 2024 # Buy Now Pay Later: Paypal Boosts Its Own Offering After Apple Pay Later Announcement # Suggested March 2024 # Top 8 Popular

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The announcement of Apple Pay Later has made waves in the Buy Now Pay Later world, with some suggesting that existing companies like Affirm are going to be hard hit. But some are fighting back …

Background

Buy Now Pay Later (BNPL) is a term for schemes which let you make a downpayment on a product and take it home the same day, paying off the balance in regular installments. Some are interest-free, while others attract interest payments.

Some store chains have offered these schemes for decades, but app-based BNPL schemes which can be used for any purchase have recently taken off.

The Apple Card already offered a BNPL feature for purchases of Apple products, allowing interest-free payments over up to 24 months. But at WWDC 2023, the company announced Apple Pay Later, which doesn’t require the card.

This lets you pay in installments simply by choosing the option in the Wallet app when you make payment. You can pay in four equal installments, and get up to six weeks interest-free. Payments are managed through the Wallet app, so you can manage your budget.

The best thing for retailers and developers alike is that Apple Pay Later ‘just works’ – there’s nothing they need do to implement it.

Paypal boosts Buy Now Pay Later program

Paypal already offered a range of BNPL deals, including Pay in 4, which is essentially the same as Apple Pay Later: four equal payments over six weeks, with no interest or late fees. Engadget reports that the company is now offering longer-term payment plans, of up to two years.

PayPal is expanding its buy now, pay later options with a longer-term payment plan. The company has enabled users to cover the cost of a purchase over a few interest-free payments and it also offers credit cards. Pay Monthly, which is issued by WebBank, is another option for folks in the US.

It’s valid for purchases between $199 and $10,000. The cost will be split across monthly payments of between six and 24 months. If you select the Pay Monthly option at checkout, you’ll then need to complete an application. Should that be approved, you’ll be able to select from three payment options with different time frames. APR is calculated on a risk basis and will be between zero and 29.99 percent. The first payment is due a month after purchase.

Unlike Apple Pay Later, however, retailers have to sign up.

PayPal says millions of retailers will support Pay Monthly — including Samsonite, Fossil and Advance Auto — and that purchases will be eligible for PayPal Purchase Protection.

However, the company says that it will be automatically available to all merchants at no additional cost, so it’s likely that many will offer it.

With all these schemes, consumers are cautioned to ensure that they can repay within the agreed terms. Although there are no late fees with many of these programs, failure to repay on time will still impact your credit rating. They can also encourage unwise spending.

It’s not the first time PayPal has responded to a move by Apple.

FTC: We use income earning auto affiliate links. More.

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Does Target Take Apple Pay?

Edgar Cervantes / Android Authority

Target is one of the largest retailers in the USA, with over 1,900 stores all over the country. It’s a great place to shop for a wide variety of products, from groceries to clothes, electronics, and much more. It’s become a shopping hub for all our needs, but does Target take Apple Pay?

Does Target take Apple Pay?

Edgar Cervantes / Android Authority

Target is a huge retail chain. As such, it takes most major forms of payment. This includes Apple Pay, which you can use to pay for anything at Target locations and within the Target app or website.

How to use Apple Pay at Target

If you know how to use the wireless mobile payment service elsewhere, you already know how to use Apple Pay at Target. We can help you if you have no experience with the process, though.

We have a complete guide on how to set up Apple Pay. Make sure to read through it and get everything in place. Then head over to your Target store of choice and do your shopping. When you’re ready to pay, follow the next steps.

How to use Apple Pay in-store:

Go to the checkout station and have your products scanned.

When it’s time to pay, pull out your iPhone and double-press the Power button.

Apple will verify your identity using Face ID.

Apple will automatically pull your default card. If you want to use another card, you can tap on the cards section at the bottom and pick the card you wish to use.

When ready, hold your phone’s backside near the POS reader.

The transaction will process and finalize.

Of course, you can also use your Apple device to purchase from the Target app or website. Just keep in mind you need to be using an Apple device for the option to be available.

How to use Apple Pay on the app:

Launch the iOS Target app.

Add your products to the cart.

When finished, tap on the Cart tab.

You’ll see an Apple Pay button in the lower-right corner. Tap on it.

The Apple Pay screen will show up, with your default card and info set. You can change them if you wish.

When ready, press the Power button twice.

The payment will go through, and the transaction will finalize.

What other forms of payment does Target accept?

Edgar Cervantes / Android Authority

Target takes all major forms of payment, but the list of accepted payments is different when shopping online and in-store. Here are the officially supported payment methods as per Target.

Target store accepted payment methods:

Cash

Target RedCard

Target app mobile payments

Target temporary slips

Credit cards: Visa, Mastercard, Discover, American Express, Diner’s Club International, and FSA/HSA

Debit cards

Target gift cards

Target gift certificates

Target merchandise voucher

Personal checks

Rebate checks

WIC

Mobile payments: Apple Pay, Google Pay, Samsung Pay, and more

Alipay (only in some stores)

Campus Cash (only in some stores)

Target app/website accepted payment methods:

Target RedCard

Credit cards: Visa, Mastercard, Discover, American Express, Target PCard, and credit cards from foreign banks

Visa and Mastercard debit cards

Target gift cards

Third-party financing companies: Affirm, Sezzle, PayPal Pay in 4, Afterpay, Klarna, and Zip.

Gift cards from Visa, Mastercard, Discover, and American Express.

PayPal (doesn’t work with Target Plus Partners)

Apple Pay

EBT

Yes! Provided that the credit card you use offers points or cashback, you will also get these benefits if you use Apple Pay to pay at Target.

Yes. You can use Apple Pay when paying with a clerk or using the self-checkout machines.

No. Target’s RedCard cards can’t be added to Apple Pay. It’s also not supported on Google Pay and Samsung Pay. You can, however, add it to the Target app mobile payments feature.

Have 80% Of Apple Watch Owners Used Apple Pay?

Have 80% of Apple Watch owners used Apple Pay?

Today a study has been released in which Apple Pay appears to be being used by 80% of all Apple Watch users. Carried out by Wristly, a private research group, it’s a headline grabbing figure for Apple’s mobile payments service, which gets a dedicated button on the Apple wearable. Nonetheless, as with any such study, there are some lingering questions to take into account.

Wristly reached out to a collection of people they call their “Inner Circle,” people who have signed up with the company as Apple Watch owners. You need to have an Apple Watch for as long as you’re a member of the Inner Circle.

Wristly isn’t a traditional analyst group, per se. Instead, they’re focused on the Apple Watch as a “catalyst” for wearable growth in general. Below you’ll see the company’s “About” page.

The Wristly Inner Circle asks the following of you: “Once a week, [Wristly] will ask you 5 quick questions, and in return you will be first to get the insights.”

The first question asked was “How did you first use Apple Pay?” Here’s where the 80% comes from – every respondent who has used Apple Pay at least once, even if they’ve only used Apple Pay once.

The majority of these respondents suggest that they’ve used the iPhone to pay for something with Apple Pay – 56% of the total used an iPhone in a retail environment with Apple Pay. 19% actually used the Apple Watch to use Apple Pay for the first time.

That works out to approximately 190 Apple Watch users in this study – out of a total of 1013 Apple Watch owners – who say they were introduced to Apple Pay via the wearable.

In the research paper “Wristly Insights”, it’s claimed that “various surveys published in 2024” suggest that “Apple Pay usage level” on the iPhone 6 was at around 15% to 20%.

Later in the study they take a portion of the set of those that’ve used Apple Pay in the past and ask them the following:

The study goes on to say that “All in all, our research suggests Apple Pay on the Watch is a delightful experience…” followed by a survey question which asks which way these Apple Watch users prefer to use Apple Pay.

Finally come “Statements about the Apple Watch and Apple Pay” ranking system. Users were asked to read statements about the Apple Watch and say whether they Agree, Disagree, or Neither Disagree or Agree.

While studies of this sort are interesting, the relatively small subset of respondents does require taking into account before too many conclusions are drawn. Until Apple itself gives us some solid figures, it’s hard to know exactly how widespread Apple Pay is among Apple Watch wearers. That may well happen on September 9, when the Cupertino firm is expected to hold an event to launch the new iPhone 6s, among other things.

[Article updated 8/18 to clarify first-usage statistics]

VIA TechCrunch

SOURCE Wristly

Pov: To Pay Or Not Pay Terrorist Hostage Takers

POV: To Pay or Not Pay Terrorist Hostage Takers Why we should refuse to reward kidnappers

The brutal murders of two American journalists and a British aid worker by the Islamic State raise yet again the question of whether the United States, or any government, should pay for the release of its citizens captured by terrorist organizations. The American and British governments maintain that they will not negotiate with terrorists, while others, like France and Spain, have implicitly acknowledged that they have facilitated such transactions, if not actually made the payments themselves. Turkey secured the release of 49 diplomats and their families held by ISIS; the details of the release have yet to be made public. First, let’s acknowledge that these situations are among the most wrenching that any policy maker can face: every decision will be second-guessed and even the “right” decision may well end with the death of the prisoner.

American and British policy is premised on the assumption that terrorist kidnappings are fundamentally different from most criminal kidnappings, at least as they occur in our countries. In the latter instance, these are usually one-off events where the perpetrators are interested in profit, not notoriety. Conversely, terrorist groups want both money and attention, and since they are generally operating in poorly governed areas, are less likely than criminals to fear the long arm of the law. Moreover, these organizations have larger political aims, most of which are inimical to the interests of the United States and its allies. The very point of kidnapping an American is to win adherents (by humiliating the American colossus), force the United States to limit its activities and those of its citizens in the area of conflict, and gain funds to further the terrorists’ activities. With those aims in mind, paying a ransom would encourage more kidnappings—if not by that particular group, then certainly by others that see the direct profit in doing so. Money paid for ransom would buy more arms, more explosives, and more capabilities to attack. Why not kidnap again when the benefit is so obvious?

One can see an echo of this in places like Mexico, where criminal kidnappings have reached epidemic proportions. It is a lucrative business, made attractive by the willingness of the victims’ families to pay whatever is necessary to get their loved ones back. If that is the dynamic in a criminal situation, such lessons are likely to be learned very well by terrorist organizations.

To say that one will not pay ransom does not close the door to other actions. The release of American journalist Peter Curtis days after the August 19 murder of James Foley, another American journalist, is an example that the intervention of third parties on humanitarian grounds can work. In the case of Curtis, it may also have helped that Qatar, which was influential in his release, had to have been mindful of its relations with the United States even as it supports some of the more extreme elements in places like Syria. In some cases, patience (although frustrating) has been a virtue, with hostages released after long captivity when their captors finally came to the conclusion that the costs outweighed the benefit (and were unwilling to face the opprobrium that would come with murder). Some captives have escaped on their own or developed a relationship with their captors that led to release. Although the risks to hostages can be high, rescue attempts become more attractive when there is good intelligence and the risks to the captives seem to be rising. And finally, there is deterrence: the knowledge that ultimately, the United States and its agents will track down those guilty of terrorist kidnappings.

Robert Loftis is a Pardee School of Global Studies and College of Arts & Sciences professor of the practice of international relations and a former US ambassador to Lesotho. He served at the State Department and the US Foreign Service from 1980 to 2012. He can be reached at [email protected].

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Iphoneography: When In Doubt, Shoot First, Compose Later

We cover all sorts of things in this iPhoneography series. Everything from creativity and photographic principles to apps and gear. I had planned on carrying on with the theme of our previous two lessons about composition (the rule of thirds and the golden ratio) but then I saw this deer, and my entire lesson changed.

I have been meaning to write something like this for a while, so I figured there is no time like the present. It will be a short lesson.

If you’d like to see the video about how I processed this image feel free to watch it. I also share a few tips about sharpening with Snapseed.

Today’s lesson is a simple, yet important one. In moments like this, when a deer let’s you walk up to take its picture, get the shot first, then worry about all the things we have talked about in the previous lessons. My buddy calls these ‘prophylactic images’. A ‘prophylactic image’ is a quick image to cover your bases. That way, if the deer decides to walk off, or turn its less attractive side to you, you have the shot.

Now, these type of images aren’t restricted to wildlife. Obviously, they are applicable to people (especially fast moving children) as well. But those aren’t the only things. Nope, covering your bases can apply to landscapes. As you continue on in your photographic life and become hyper aware of the light around you, you will realize that it is always changing. If you see beautiful light, and you think it’s going to change soon, make a quick image then worry about the principles of composition we have discussed in previous lessons.

Here is another example of acting quickly, composing later. I watched as this beautiful little butterfly flew past my head and landed on the grass. I didn’t even think, I simply grabbed what I could. As you can see in this first image, it wasn’t anything to write home about. However, if she were to fly off, at least I would have a photo.

I continued to making images as she proved to be very photogenic. I probably made a dozen or so images, each improving on the next as I worked my way closer and closer. Finally I made this image! It’s one of my all time favorite images (iPhone or otherwise). You won’t always get this image, but get one and continue to work until you get the one you want.

Assignment

I was having a hard time coming up with a good hash tag for this project when I was sitting down on Sunday night, wondering why Breaking Bad was a repeat (I’m not happy about waiting until next summer to wrap it up) and then it hit me!

Make sure to tag your Instagram photos with #iDBigotIt so we can call follow along.

This week will be pretty open and it is intended to showcase your own creativity. I’ll be picking a few of my favorites to showcase in our next lesson. We will see you back here in two weeks with a new app I’m diggin!

Apple Pay Not Working On Ios 15? How To Fix In 5 Ways

Digital Payments have been on the rise especially since the pandemic started. It’s no surprise that Apple had predicted the same and added Apple Pay to iOS and watchOS years ago. Apple Pay allows you to make digital payments at compatible sources directly through the wallet app or an NFC scan. You can also make purchases online using the same which helps eliminate the need for cards and cash. Some users have been facing issues with Apple Pay since updating to iOS 15 and if you’re in the same boat then here’s all you need to know about it.

Why is Apple Pay not working?

Apple Pay is a highly secure and encrypted app that has numerous background services to verify your identity and purchase to maintain maximum security. Over feature and major updates to iOS, background services can be bugged or be using older caches and tokens issued by the server. To resolve these issues, you might need to hard restart your device or set up the affected service again.

The same seems to be affecting Apple Pay users where either some settings are reset in the background or the iPhone needs to be restarted so that a fresh set of security tokens can be issued to your device. If you have been facing issues with Apple Pay, then we recommend you start with the known fixes mentioned below.

These fixes have worked for most iOS 15 users and should help resolve your issue as well. However, if you are unable to get Apple Pay working on your device despite trying these fixes, then we recommend you try the other fixes mentioned below to try and fix your issue.

Related: iOS 15 Alarm Not Working? How to Fix

How to solve Apple Pay not working problem on iOS 15 or iPhone 13

You can fix your Apple Pay issues using the fixes mentioned below. If the Known fixes do not work for you then we recommend you move to the next section and try to fix Apple Pay. Let’s get started.

Fix #1. Select Phone and email address in Apple Pay

Open the Settings app and tap on ‘Wallet and Apple Pay’.

You will now get a list of all your added cards and bank accounts. Scroll to the bottom and tap on ‘Email’ under ‘Transactions’.

Select the desired email address you wish to use for Apple Pay.

If you wish to add a new email then tap on ‘Enter New Email Address’ or if you wish to add one from a contact then tap on ‘Add from Existing Contact’. You can also remove addresses by tapping on ‘Edit’ in the top right corner of your screen.

Tap on ‘Done’ in the top right corner once you are done.

Repeat the steps above for your Phone Number as well.

We recommend you hard restart your device using the guide below after this for good measure. Once done, Apple Pay should be back up and running again on your device.

Related: iOS 15 Shortcuts Not Working: Issues and Possible Fixes Explained

Fix #2. Hard Restart device

A hard restart on iOS devices helps restart and reset background services. It also helps clear caches and fetches new security tokens for your email apps, security apps, password managers, and more. If the correct email and phone were selected for you in Apple Pay then you can try a hard restart on your device. This is known to fix Apple Pay issues for some users that were experiencing difficulties using NFC or selecting the right card as their default card in the Settings app. Use the appropriate method below depending on your device to perform a hard restart.

For devices with a home button: Press and hold the Power + Home button simultaneously till you see the Apple logo. Let go of the keys now and wait for your device to restart.

For devices without a home button: Press and hold down the Power + Volume Down key on your device till the Apple logo appears on your screen. Once it does, let go of the keys and wait for your device to restart.

Once your device hard restarts, try initiating a dummy payment through Apple Pay again. If all goes well, then you will have fixed your Apple pay issues.

Fix #3. Remove & Re-add your card or bank account

This is a drastic fix but if by this point you haven’t fixed Apple Pay then you will need to re-add your card or bank account in the App. This will help refresh your payment services which should get Apple Pay working on your device again. We recommend you perform a hard restart after removing your payment methods to ensure that everything is working properly. Follow the guide below to re-add your payment methods in Apple Pay.

Open the Settings app and tap on ‘Wallet and Apple Pay’. Now tap on the payment method you wish to remove. Scroll to the bottom and tap on ‘Remove this card’.

Confirm your choice by entering your passcode.

The concerned payment method will now be removed from your device. We recommend you hard restart your device at this point. Once your device restarts, open the Wallet app and tap on ‘+’ in the top right corner of your screen.

Now scan your card using the app. You can also enter your details manually by tapping on the same at the bottom of your screen.

Follow the on-screen setup provided by your bank to link your card to Apple Pay.

The concerned card will now be readded as a payment method in Apple Pay. You should now be able to use Apple Pay normally without any issues.

If the above-mentioned fixes don’t work for you, then you can try the ones mentioned below. Keep in mind that reinstalling the app or resetting your settings will reset all your customizations and payment methods.

Related: iOS 15 Failed Verification Issue: How to Fix

Fix #4. Sign out and sign back into your Apple ID

Confirm your password and tap on ‘Turn Off’ in the top right corner and you will be signed out of your Apple ID. We recommend you restart your device and leave it connected to a charger and WIFI network for a while. Once you return, log in back to your Apple ID from the Settings app. If identification and security issues were preventing you from using Apple Pay as intended then this should now have fixed your issue.

Fix #5. Reset your Settings

Confirm your choice by entering your passcode and all Settings should now reset for your device. Ideally, your device should automatically restart once this process completes, but if it does not, we recommend you hard restart it using the guide above. This will help you reconfigure Apple Pay in the Settings app as you intend upon a restart which should fix Apple Pay issues for you.

Fix #6. Last Resort: Reset your device

If Apple Pay is still broken on your device then you might want to reset your device and start afresh. This is recommended for new users that have gone through a few feature updates without ever resetting their devices. You can create a custom backup using iTunes or use iCloud to backup your data and then reset your device. Ensure that you either have more than 50% battery on your device or that you are plugged into the wall before resetting your device.

Confirm your choice by entering your Apple ID passcode. You might be required to disable Find my iPhone first in some cases. Do the needful and reset your device. Your iPhone will restart a couple of times during this process. This is completely normal and you shouldn’t be alarmed by it. Once your device resets, set it up again and sign in to your Apple ID as usual. Setup Apple Pay from afresh and you should no longer face any issues on your device.

We hope you were able to fix Apple Pay on your device using the above-mentioned fixes. If you still face issues, we recommend you get in touch with Apple Support as this could be an issue specific to your bank or Apple ID.

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