Apple Pay Gains Support for Citi Monthly Payment Plans

Apple Pay now supports Citi Flex Pay, allowing U.S. Citi credit card holders to pay for ‌Apple Pay‌ purchases over time with the Flex Pay option.

Apple Pay Citi Flex
Citi Flex Pay is available for ‌Apple Pay‌ purchases over $75. The default payback period is three months, but there are longer payback durations available with a monthly fee. Flex Pay can be used when making purchases on websites or in apps.

To use Citi Flex Pay, an eligible Citi credit card needs to be added to ‌Apple Pay‌. When making a purchase, select the Citi credit card and then tap on "Pay Later." From there, select a Citi Flex Pay option.

Apple previously had its own buy now, pay later service called ‌Apple Pay‌ Later, but it was discontinued last year. Apple now partners with third-party providers for pay over time options. Apple's other U.S. partners include Affirm, Klarna, and Synchrony.

Related Roundup: Apple Pay

Popular Stories

Generic iOS 19 Feature Mock Light

iOS 19 Rumored to Include These New Features for Your iPhone

Saturday March 1, 2025 11:00 am PST by
iOS 19 is still around three months away from being unveiled, but there are plenty of rumors about the upcoming update. Below, we recap iOS 19 rumors so far. Redesigned Camera App A leak earlier this year allegedly revealed a redesigned Camera app coming with iOS 19. On his YouTube channel Front Page Tech in January, Jon Prosser shared a video showing what the new Camera app will...
iOS 18

Apple Says iOS 18.4 Will Be Released in April With These New Features

Wednesday February 26, 2025 7:15 am PST by
In a recent press release, Apple confirmed that iOS 18.4 will be released in April. From the Apple News+ Food announcement:Coming with iOS 18.4 and iPadOS 18.4 in April, Apple News+ subscribers will have access to Apple News+ Food, a new section that will feature tens of thousands of recipes — as well as stories about restaurants, healthy eating, kitchen essentials, and more — from the...
Generic iPhone 17 Feature With Full Width Dynamic Island

Latest iPhone 17 Series CAD Images in Line With Redesign Rumors

Friday February 28, 2025 2:51 am PST by
Apple is expected to embrace a new camera system design for some models in its upcoming iPhone 17 series, and the latest purported CAD images don't deviate from what we have been hearing lately about Apple's new lineup. If you do not like the sound of an iPhone with a Google Pixel-style camera bar, look away now. Seasoned leaker Sonny Dickson shared the following images in a post on X...
apple intelligence black

These New Apple Intelligence Features Are Coming in iOS 18.4

Friday February 28, 2025 3:17 pm PST by
iOS 18.4 was supposed to bring new Apple Intelligence Siri features, but Apple ended up needing to pull those capabilities from the update to continue testing. There are fewer new Apple Intelligence additions now, but there are still some new features that will make the update worth installing when it comes out in April. Priority Notifications Apple introduced Priority Notifications back at ...
iphone 16e usb c feature

Apple Provides Reason for iPhone 16e's Lack of MagSafe

Friday February 28, 2025 4:39 am PST by
Apple has offered a reason why the iPhone 16e doesn't include MagSafe, one of the more notable omissions from its latest entry-level smartphone. According to Apple representatives who spoke to Daring Fireball's John Gruber, MagSafe is not included in the iPhone 16e because "most people in the iPhone 16e's target audience exclusively charge their phones by plugging them into a charging...
Apple AirPort Routers

Apple's Discontinued Line of AirPort Wi-Fi Routers Could Return in an Unexpected Way

Saturday March 1, 2025 10:00 am PST by
Throughout the 2000s and 2010s, Apple offered a line of Wi-Fi routers that it referred to as AirPort base stations. There was a standard AirPort Express, a higher-end AirPort Extreme with more advanced networking features, and an AirPort Time Capsule that doubled as an external storage drive for backing up a Mac with Time Machine. Apple discontinued the AirPort line in 2018, but the company...
apple c1

How Fast is Apple's First-Ever 5G Modem? The Results Are Surprising

Friday February 28, 2025 10:08 am PST by
iPhone 16e reviews are now out, and Apple's custom-designed C1 modem has been put to the test. The results so far are quite surprising, as the C1's speeds are not as slow compared to Qualcomm modems as originally expected. While the C1 does not support ultra-fast mmWave 5G in the U.S., it appears to offer comparable 5G performance to Qualcomm's Snapdragon X71 modem found in the iPhone 16,...
Apple MacBook Air 2 up hero 240304 feature

New MacBook Air Announcement Reportedly 'Imminent' — Here's When

Sunday March 2, 2025 5:40 am PST by
With the iPhone 16e now in the hands of customers, Apple reportedly plans to move on to its next product announcement in the coming days. Apple plans to announce new MacBook Air models with the M4 chip "as early as this week," according to Bloomberg's Mark Gurman. "I expect the M4 MacBook Air to be introduced as early as this week," said Gurman, in a post shared on X today. "Inventory has ...
airpods pro purple

Here's When AirPods Pro 3 Are Rumored to Launch

Monday February 24, 2025 9:14 am PST by
According to a post on X today from a leaker known as Kosutami, Apple plans to launch AirPods Pro 3 in May or June this year. The leaker also claimed that an AirTag 2 will launch around the same time. Kosutami is best known as a collector of prototype Apple hardware, but they have occasionally shared accurate information about Apple's future product plans. For example, they accurately...

Top Rated Comments

zilchfox Avatar
5 weeks ago
For the love of… Please, PLEASE, never use these or anything similar (such as Afterpay, etc). If you have to finance your everyday purchases, you need to take a serious look at your financial health.
Score: 11 Votes (Like | Disagree)
HobeSoundDarryl Avatar
5 weeks ago
Does it not bug people that the whole credit machine has worked its way down to trying to get people into a monthly payment arrangements on only $75 purchases? I guess next we're making 5 payments to finance $50 purchases and than 3 payments to finance $25 and just keep that going until we're making payments in pocket change to finance $1. How low can that go? 6-7 monthly penny payments to repay a nickel (loan)?

Is it a sign that many are tapped out and maximizing profit in the financing game is increasingly becoming a volume play vs. the big deals for big cuts? Or maybe it's both: harvest big on big deals AND harvest small on big volume of little deals?

Your fathers or theirs would generally only get into payment plan arrangements for relatively large purchases: houses & cars. But in the last 40-50 years, the big payment model has worked its way down to smaller & smaller purchases. Another way to say that is finance entities like banks are working their way into getting a little bite of every transaction... and then attempting to double down their revenue by encouraging relatively micro payments to finance fairly cheap purchases.

I bought a small group of family dinner last week and today I got the offer to spread that bill for one dinner over 6 payments. Maybe that's good? But from a high level viewpoint, I'm not so sure. 10 or 20 years ago, I'd toss a joke of needing "90 days same as cash" to buy dinner at THAT place. And now such terms are actually popping up... for ONE meal.
Score: 8 Votes (Like | Disagree)
acgmph Avatar
5 weeks ago

Does it not bug people that the whole credit machine has worked its way down to trying to get people into a monthly payment arrangements on only $75 purchases? I guess next we're making 5 payments to finance $50 purchases and than 3 payments to finance $25 and just keep that going until we're making payments in pocket change to finance $1. How low can that go? 6-7 monthly penny payments to repay a nickel (loan)?

Is it a sign that many are tapped out and maximizing profit in the financing game is increasingly becoming a volume play vs. the big deals for big cuts? Or maybe it's both: harvest big on big deals AND harvest small on big volume of little deals?

Your fathers or theirs would generally only get into payment plan arrangements for relatively large purchases: houses & cars. But in the last 40-50 years, the big payment model has worked its way down to smaller & smaller purchases. Another way to say that is financier entities like banks are working their way into getting a little bite of every transaction... and then attempting to double down their revenue by encouraging relatively micro payments to finance fairly cheap purchases.

I bought a small group of family dinner last week and today I got the offer to spread that bill for one dinner over 6 payments. Maybe that's good? But from a high level viewpoint, I'm not so sure. 10 or 20 years ago, I'd toss a joke of needing "90 days same as cash" to buy dinner at THAT place. And now such terms are actually popping up... for ONE meal.
New age payday loans. Predatory no matter how you look at it.
Score: 5 Votes (Like | Disagree)
mansplains Avatar
5 weeks ago

I bought a small group of family dinner last week and today I got the offer to spread that bill for one dinner over 6 payments. Maybe that's good? But from a high level viewpoint, I'm not so sure. 10 or 20 years ago, I'd toss a joke of needing "90 days same as cash" to buy dinner at THAT place. And now such terms are actually popping up... for ONE meal.


Attachment Image
Score: 5 Votes (Like | Disagree)
cjsuk Avatar
5 weeks ago

For the love of… Please, PLEASE, never use these or anything similar (such as Afterpay, etc). If you have to finance your everyday purchases, you need to take a serious look at your financial health.
This.

Worth noting that credit providers can and do sell debts. Next thing you know you’ve been sold out to a third party who adds fees and interest.

Also Citi. No thanks. Worked with them. Circus clowns.
Score: 3 Votes (Like | Disagree)
mansplains Avatar
5 weeks ago
Citi Flex Pay seems worse than other BNPL, since the entire purchase amount is counted against your credit limit. This effectively increases your credit utilization. Obviously it would go down as you make your payments, but the payment options themselves aren't as flexible as Affirm and Klarna.
Score: 2 Votes (Like | Disagree)