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Have you ever wanted to make a purchase but didn’t have the total amount upfront? With Apple Pay Later, you can buy what you want from a participating merchant and pay Apple back over time. Let’s take a look at what Apple Pay Later is, what you need to use it, and how to set it up on your iPhone and iPad.

What is Apple Pay Later?

Apple Pay Later is a service in which you make a purchase from a participating merchant, and the total cost is split into 4 installments that you pay over a 6-week period. Apple pays the total to the merchant, and you repay the loan amount without any fees or interest to Apple.

You can use Apple Pay Later for online and in-app purchases between $50 and $1,000 on your Apple Pay-enabled iPhone or iPad.

There is no impact on your credit when applying for an Apple Pay Later loan; however, after your purchase, your loan and payment history might be reported to credit bureaus and effect your credit.

Apple Pay Later requirements

In order to use Apple Pay Later, you must:

Be at least 18 years of age. If you’re an Alabama resident, you must be 19 years of age or older.

Be a US citizen with a valid physical address, not a PO box. The service is currently unavailable in Hawaii, Nevada, New Mexico, North Carolina, Wisconsin, and the US territories.

Have at least iOS 16.4 or iPadOS 16.4 installed on your device.

Have Apple Pay set up with an eligible debit card which is required to make an Apple Pay Later down payment.

Have two-factor authentication set up for your Apple ID.

Have a Driver’s License or state-issued ID card in case identity verification is required.

Additionally, Apple Pay Later is currently only available to invited customers. Customers are randomly selected through their Apple ID email to use the prerelease version of the service.

How to set up Apple Pay Later on iPhone or iPad

On your iPhone, open the Wallet app. On iPad, open Settings and select Wallet & Apple Pay.

Tap the Add button (plus sign).

Choose Set up Apple Pay Later and tap Continue.

Follow the prompts to apply for the Apple Pay Later loan by entering the total amount you’re requesting, including taxes and shipping.

Select Next and verify your name, birth date, and address.

Confirm the information and choose Agree & Apply.

Read through the payment plan and loan agreement, and then tap Add to Wallet.

Once you’re approved for the Apple Pay Later loan, you have up to 30 days to make your purchase. You can see the amount you’re approved for in the Apple Pay Later Available to Spend area.

If you have specific questions, concerns, or issues, you can contact Apple Pay Later Support.

How to use Apple Pay Later on iPhone and iPad

To use your Apple Pay Later Available to Spend amount from the Wallet app, follow the steps below. 

Select Apple Pay during the checkout process.

Go to the Pay Later tab and tap Continue.

Review the payment plan and loan agreement, then tap Continue or Agree & Continue.

Choose the debit card you want to use for the down payment and follow the subsequent prompts.

A handy way to pay!

Apple Pay Later is a convenient service that can help you buy the things you want but can’t pay the total price for upfront. While technically a short-term loan, Apple doesn’t charge interest or fees, making it a handy way to pay.

What do you think, will you give Apple Pay Later a try? Let us know why or why not!

For more, look at how to set up Apple Pay on your Apple Watch to make purchases using your wearable.

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Rachel loves anything Apple —from iPhones, to Apple Watches, to MacBooks. She is also a medical writer and a ghostwriter for various publications.

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Set Up And Use Icloud Shared Photo Library On Iphone In Ios 16

It’s a pleasure to share your memorable photos with friends and loved ones. Though you can upload your favorite shots on social networking apps like Facebook and Instagram and allows only specific people to view your shared photos, it’s not the best way for everyone.

Especially for the privacy-conscious people who wish to share photos with enhanced security. And that’s where Apple’s all-new “Shared iCloud Photo Library” comes into play. Read on as we have explained in detail how to set up and use iCloud Shared Photo Library on iPhone in iOS 16.

Set Up and Use iCloud Shared Photo Library in iOS 16/iPadOS 16 on iPhone and iPad 

First off, let’s check out the requirements and limitations of the iCloud Shared Photo Library for a better understanding. 

What are the Requirements for iCloud Shared Photo Library? 

As outlined above, your device must be running iOS 16/iPadOS 16 or later.

Ensure that you have sufficient iCloud storage. Otherwise, you won’t be able to use this feature.

Currently, Apple offers 50GB of cloud storage for $0.99/month, 200GB for $2.99/month and 2TB for $9.99/month. 

What are the Limitations of the iCloud Shared Photo Library?

Keep in mind that you are allowed to share an ‌iCloud Photo Library‌ with up to five other people. That means six people in total can be part of a shared iCloud photo library. 

Note that the person who creates the ‌iCloud‌ Shared Photo Library is considered to be the”host,” and their ‌iCloud‌ storage space is used for the shared photos. 

Another important thing worth pointing out is that when you add your photos from your library to the shared library, the photos are moved from the personal library to the shared library.

This is done to ensure that the ‌iCloud‌ storage space or the device storage space is not consumed twice. Besides, it also prevents the images from being duplicated.

Important iCloud Shared Photo Library Capabilities You Need to Know

It’s important to note that each person you have invited to participate in an ‌iCloud‌ Shared Photo Library will be able to add, edit, caption, favorite, and even delete photos. Do note that there are no restrictions and everyone can manage the shared photo library in line with their preference. However, you can decide to get a notification when someone deletes photos from the shared library.

Moreover, whenever someone deletes a photo in the shared photo library, the person who had originally shared the photo gets the option to move the image to their personal library. All the deleted images are automatically stored in the Recently Deleted Photos folder so that you can easily recover any images later. 

How to Create iCloud Shared Photo Library in iOS 16 and iPadOS 16

When you upgrade to iOS 16, you get a popup to enable the Shared iCloud Photo Library. Besides, you can also do it from the Settings app. 

2. Now, ensure that iCloud Photos is enabled. After that, tap on Shared Library and then set it up. 

3. You can add “Add Participants” to select people to share with and invite your friends through the Messages or a link.

4. After that, you will get the option to choose the images that you would like to add to the Shared Library from your own iCloud Photo Library. 

5. Depending on your needs, you can choose to share all photos and videos, photos and videos by person or date, or manually picked images. 

6. Next up, you can preview the photos that you’ve added to the Library before sharing. In the end, tap on ”Continue” to create the shared iCloud photo library. 

There you go! So, that’s how you can set up the iCloud Shared Photo Library. 

‌Photos‌ from the shared library appear in several places like Features Photos, Photos widget, and Memories. 

How to Share Photos to iCloud Shared Photo Library from Camera 

Notably, you can share photos to the shared iCloud Photo Library directly from the Camera app. Times when you are at an event or on a long selfie spree, this feature can come in super handy. This neat feature makes all your shared photos quickly available to all participants so that they can view them. 

1. To do so, open the Camera app on your iPhone and tap on the iCloud Shared Photo Library icon.

2. After that, you can select either automatic uploading to the shared library or your personal library.

How to Customize iCloud Shared Photo Library Sharing Options 

The iCloud Shared Photo Library offers multiple sharing options. For instance, you can enable sharing when participants are nearby using Bluetooth proximity or the Camera app. Additionally, you can also customize the sharing through the Settings app. 

That’s not all, the stock photos app also offers suggestions to share in the For You section. Hence, you do not have to spend time finding the coolest photos to share. 

While the Sharing Automatically feature allows you to automatically add all photos you capture to the shared library, “Share When at Home” lets you add photos and videos from the Camera even when other members are not there. 

How to Switch Between Personal and Shared Library 

The Photos app provides a pretty easy way to switch between the personal and the shared library. 

To do so, open the Photos app on your device and tap on the Library tab at the bottom of the screen. 

Now, tap on the three-dot icon in the upper right of the screen and then choose Personal Library or Shared Library, or both at once depending on your needs. 

How to Delete a Shared iCloud Photo Library 

If you host any Shared Library, you can delete it right from the Settings app on your device. 

Now, tap on Delete Shared Library and confirm. 

Bear in mind that when a Shared Library is deleted, all participants will be able to keep the photos that they had added to the library. Notably, they will also have the option to keep a copy of all the photos that are in the library. 

Tips to Use iCloud Shared Photo Library on iPhone and iPad Like a Pro

That’s pretty much done! So, that’s how you can set up and use the shared iCloud Photo Library in iOS 16. As someone who prefers to have a private and secure way to share photos with friends, I have found this feature a worthy addition. If you are also like me, there is a good chance that you may find it a notable feature as well.

For those unaware, Apple has added several pretty neat features to the Photos app including the ability to delete duplicates and lock photos with Face ID or Touch ID. If you have not yet tried these new add-ons, make sure to check them out. Also, be sure to shoot your views and whether or not you find it a useful addition.

How To Use Siri On Your Iphone, Ipad, Airpods, Mac, And Apple Watch


To use Siri on an iPhone, iPad, Mac, and Apple Watch, make sure that it is enabled. You can then say “Hey Siri” and wait for the familiar swirling light circle to appear on the screen. Or, on an iOS device, you can also long-press the side power button. AirPods mirror whichever Apple device you have paired them to, therefore requiring no separate setup.


iPhone or iPad


Apple Watch


Some popular commands

The following tutorial assumes you have set up and activated Siri. If not, you need to do that first before proceeding.

How to use Siri on the iPhone or iPad

“Where am I?” (requires Location Services to be enabled)

Call (name of person)

Text (name of person)

FaceTime (name of person)

What’s this song called? (if music is playing in the background)

Add this song to my library (requires an active Apple Music subscription)

Open (name of app)

Press Side Button for Siri

David Imel / Android Authority

Alternatively, you can activate Siri by long-pressing the side power button. Don’t release your finger until the swirling light circle appears. Short-pressing the button will switch off the phone, so don’t do that.

How to use Siri with your AirPods

Sam Smart / Android Authority

The difference with AirPods is that there is no separate setup required. Since they are paired to another device (like an iPhone or an iPad), you merely have to pair them together, and Siri is pretty much ready to go on your buds.

With 1st Generation AirPods, you merely have to double-tap one of the AirPods. Then give your command, question, or request.

With 2nd Generation AirPods, you would say “Hey Siri” and then your command, question, or request. However, you can change it to a double-tap by going to the AirPods in Bluetooth settings and selecting Siri.

Your AirPods can also announce incoming phone calls and text messages, which you can answer by tapping the AirPod bud. Any music currently playing on your device would cease during the call and would resume when the call ends. If you feel these announcements are starting to get annoying, you can easily disable them.

How to use Siri on your Apple Watch

One cool feature is that you can use Siri on an Apple Watch. Now, every time you speak to your watch, you look like David Hasselhoff in Knight Rider. You have to be an 80’s kid to appreciate it.

Press the digital crown on the side of the Apple Watch.

Navigate to Settings. Scroll down until you find Siri, and tap it.

Toggle on Listen for “Hey Siri” and Press Digital Crown.

Now raise the phone to your mouth and say, “Hey Siri.” Alternatively, press the digital crown. The familiar glowing swirling ball will appear. Give your command.

Some popular commands

In the iPhone section, we covered some basic commands that you can give, but there are countless more. Edgar profiled the best Siri commands that you need to know to get the most out of the service. As well as asking it to use your phone functions to contact someone, you can also ask it general knowledge questions (which ruins quiz shows for my wife.) You can also ask for recipes, ask the time and date, create a reminder list, add something to your calendar, plot a route on Apple Maps, make search engine queries….anything, really.

Of course, there are also funny things you can ask Siri. Like asking if she would be your girlfriend, and she replies, “why would I want to be loved, then thrown away and face the misery and the heartache…?”

And don’t quote Bohemian Rhapsody to her — not unless you want her to finish the song — using her own words.

Read more: How to stop Siri from auto-correcting certain words on Apple devices


You can either stay silent, and she will eventually go away herself. Or you can say “stop” or “go away” which pretty much does the same thing.

Siri will never swear. If you ask her to, she will politely say she is not allowed to. The same goes for dirty jokes. She will refuse.

No, it is currently not possible to change her name.

If you decide to shut Siri down entirely, just go into the device settings, and toggle off all related settings.

How To Make Siri Wait Longer To Respond In Ios 16 On Iphone

Siri is Apple’s default voice assistant. But it isn’t the best voice assistant by a wide margin and has several drawbacks. Among many, Siri not waiting long enough for users to complete talking and coming up with answers is one that frustrates users.  

While there is a workaround to this issue, Apple has developed a solution for iPhone and iPad with iOS 16 and iPadOS 16, respectively. The Siri pause time can be manually increased and set to a waiting period of your choice. In this article, I’ve explained two methods to set Siri to wait longer.

Press and hold the Home/Power button longer

You can activate Siri through voice commands or by pressing and holding the Home/Power button on iPhones. Please note that those using iPhones with a Home button won’t be able to invoke Siri with the Power button.

While this might not be the most convenient method, it works. Our issue, where Siri starts working on results before you have completed your sentence, can be solved through this method.  

All you have to do is Press and hold the Home/Power button and not let go until you’ve dictated your entire command or query.  

The next time you want to ask Siri something and have the luxury of holding your device, you can follow these steps. However, if you’re on iOS 16 and hate using physical buttons to activate a “voice assistant,” head to the next section.  

Set Siri to wait longer in iOS 16 and iPadOS 16

Enabling a hands-free experience is the primary purpose of voice assistants. And every time you want to interact with a voice assistant, in our case Siri, doing it by relying on touch doesn’t make the utmost sense. That is the reason we have voice commands to activate Siri.  

Until now, you had to rely on the previous method to increase the pause time of Siri. But thanks to Apple listening to customers, it now has introduced a setting with iOS 16 that lets you increase the pause time of Siri. And here’s how to do it:

Launch Settings on your iPhone.

Navigate to Accessibility.

Scroll down and tap Siri under General.  

Under Siri Pause Time, you can choose from Default, Longer, or Longest. The Default setting offers the lowest pause time, and you’re better off selecting from Longer or Longest based on your needs.  

Once you’ve made the necessary changes, you no longer have to worry about Siri responding before you’ve completed your sentence.  


Q. How do I get Siri to talk slower? 

To get Siri to respond or talk slower, follow these steps, Open Settings → Accessibility → Spoken Content → Adjust the Speaking Rate slider per your preference. Not everyone might like the speed at which Siri talks back, especially if the default language of your iPhone/Siri is not your first language.  

Finally, someone who lets you speak without interrupting halfway 

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Consumer Technology and Motorcycles are the two things that excite Darryl the most. Why? Because Tech helps better people’s lives, and solving people’s problems related to tech is something he enjoys. And what about bikes, you ask? Well, drop a gear and disappear.

How To Enable Night Shift In Ios 12 Control Center On Iphone And Ipad

Accessing Night Shift quickly has changed in iOS 11 and iOS 12 and while Night Shift is still easily accessible via Control Center on iPhone and iPad, users will have to dig just slightly deeper to reveal the Night Shift setting toggle and be able to enable and disable the feature through Control Center.

For the unfamiliar, Night Shift is the excellent iOS feature which adjusts an iPhone or iPad displays color hue to be warmer during the evening hours, theoretically helping to reduce eye strain and perhaps even improve sleep by reducing blue light exposure too. Night Shift is really popular, and while it’s perhaps best used on a schedule to automatically turn itself on and off as daylight goes and comes, users can also toggle Night Shift off and on through Control Center whenever wanted. In iOS 11, the Night Shift toggles in Control Center are hidden however, but don’t worry they are still easy to find and adjust as needed.

How to Turn On / Off Night Shift in Control Center for iOS 12

Accessing the Night Shift toggles in iOS 12 and iOS 11 Control Center is the same on iPhone and iPad, though due to screen size it may look slightly different. Here’s how it works:

Swipe to open Control Center on the iPhone or iPad as usual (swipe up from the bottom of the screen)

Tap and hold on the brightness setting slider, it’s the one with the sun icon (iPhone can 3D Touch the setting too)

The display brightness slider will enlarge and reveal the hidden “Night Shift” setting, tap on that to enable or disable Night Shift in iOS 11

If Night Shift is turned on, the settings toggle switch will be orange and state “Night Shift On Until (time)”, whereas if Night Shift is disabled it will state that. The “Until” time stated in the Night Shift toggle of Control Center is the time that is set in the Night Shift scheduling of iOS, which is recommended to enable and on the warmest tolerable setting for best results.

iPhone and iPad users can also continue to access Night Shift through the iOS Settings app too, where it is found within the “Display & Brightness” settings as “Night Shift”, with switches for scheduling, manually enabling or disabling, and to adjust color temperature.

Remember that when Night Shift is enabled, the screen will be warmer in appearance. That means the colors will shift to be more orange and brown on the display, almost having a sepia tone type appearance. When Night Shift is disabled, the screen will look as usual.

And that’s how you access Night Shift in iOS 11 Control Center! It’s always possible that a future iOS software update will give an additional option to directly toggle Night Shift off and on without long-pressing on the Brightness setting again, like how it used to be access prior to iOS 11, but that remains to be seen. For now, just remember to tap and hold on the brightness setting in Control Center and you’ll see the Night Shift switch.


How To Use Safari Tab Groups On Iphone, Ipad, And Mac

Apple added several new features and redesigned the look for Safari in iOS 15, iPadOS 15 and macOS 12 Monterey. The Apple browser now comes with Tab Groups, which allows easy management of tabs in Safari. You can create tab groups, rename them, delete, move tabs around, and more. These Tab Groups will also sync across all your devices, making them accessible everywhere.

In this article, you’ll learn how to use the new Tab Groups feature in Safari on your iPhone, iPad, and Mac. Of course, this will only work if you’ve got the developer or public beta of iOS 15, iPadOS 15, and macOS 12 Monterey running on your device.

Also see: Watch all the changes in Safari on iOS 15 and iPadOS 15 in action

How to use Tab Groups in Safari on iPhone and iPad

The Tab Groups in Safari allows you to manage your tabs better. You can create new tab groups for a specific research, move tabs between groups, rename it, and more. Here’s how to do all of this on your iPhone or iPad.

1) Launch Safari on your Apple device.

2) You’ll notice the address bar is now at the bottom of the app. Open a webpage, and tap the tabs icon located next to the address bar.

3) In the page that appears, tap on the middle button to see the Tab Groups. If you opened a webpage and then hit the tabs icon, then you should see 1 Tab. If you started from the Start page, then you’ll see the option read Start Page.

4) You can now create a New Empty Tab Group, open a Private tab, or create a New Tab Group from 1 Tab.

5) When you create a new Tab Group, you can name then accordingly. To rename the group, press and hold the tab group name to bring up the menu with the Rename option. Access the tab groups menu by tapping the tabs icon on the main page. You can also delete the group from this menu, and copy links.

6) To add new tabs to this group, simply tap on the tabs button and hit the ‘+’ icon. All new tabs will be added to the group you just created.

7) You are also able to move tabs between tab groups. To do this, press and hold on a tab in a group and tap the Move to Tab Group option. This menu even lets you arrange tabs by title or by website.

8) If you want to close all the tabs in a group, then press and hold the tabs button in an open webpage and select Close all tabs.

As you can see, there’s a lot you can do with the new Tab Groups feature on iOS and iPadOS 15. You can move between different tab groups by swiping left or right on the address bar.

Use Safari tab groups on Mac

On Mac, Tab Groups work similarly to how they do on iOS, however, accessing the groups is a little different. Here’s how to use Safari Tab Groups on Mac.

1) Open Safari on your Mac computer.

Wrapping up

Tab Groups in Safari is definitely a useful feature, especially on the iPad and Mac. You can use it to create different groups and access those particular tabs with ease. The groups also sync between all your connected Apple devices, making it easy to access information. At first, you may find the whole Tabs Group a little confusing, but you get used to it very quick. We hope this guide has taught you how to use Tab Groups in Safari on your Apple device.

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