ExtendPay is available only when Apple Pay displays the Pay Later option for your purchase.

• If Pay Later does not appear, the purchase is not currently eligible.
• For business accounts, Pay Later is available only to Authorized Officers for eligible purchases.

To use ExtendPay for an eligible online Apple Pay purchase:

1. Shop online and select your card in Apple Pay.
2. Review the available ExtendPay options.
3. Select Pay Later.
4. Select Continue.
5. Choose an available plan duration.
6. Review the plan terms, then select Agree and Continue.
7. Review the selected plan on the Payment Summary screen.
8. Double-click the side button on your device to complete the purchase.

To choose another available duration before paying, open the plan details and select Change.
The plan remains available in your digital wallet for 30 minutes to 24 hours. When the session ends, the payment option returns to Pay in Full.
To select another available duration, select Choose a New Plan.

If the purchase amount is not eligible

Below the minimum: Apple Pay displays a message, and you receive a follow-up email.
Above the allowed amount: Apple Pay displays a message and presents other available plan options based on the actual purchase amount.