アップルがApple Payに後払い決済機能を導入か

今回は「アップルがApple Payに後払い決済機能を導入か」についてご紹介します。

関連ワード （Apple、Apple Card、Apple Pay等） についても参考にしながら、ぜひ本記事について議論していってくださいね。

本記事は、TechCrunch様で掲載されている内容を参考にしておりますので、より詳しく内容を知りたい方は、ページ下の元記事リンクより参照ください。

最近オンラインでショッピングをした人は、AffirmやPayPalのPay in 4のようなサービスを目にする機会があっただろう。それらのサービスは、あなたが何かを買うと、その決済を後日の分割払いにしてくれる。

さまざまな状況から察するにApple（アップル）は、近くApple Payのユーザーに同様の機能を提供するらしい。Bloombergの記事によると、同社はGoldman Sachs（ゴールドマン・サックス）と組んで「Apple Pay Later」と呼ばれるサービスを開発中であり、その機能のあるデバイスのユーザーはネットショップだけでなく、実店舗での買い物も後払いにできる。

記事によると、このサービスを利用して決済をする方法は2種類ある。まず「Apple Pay in 4」というオプションでは、2カ月間に計4回の無利子決済ができる。

もう1つのオプションでは、決済期間を複数月に延ばせるが、この場合は利子が付く。Bloombergの記事では、サービス開始時にAppleが設定するであろう利子率は確認できなかったという。

現在、Appleにコメントを求めており、確認され次第、本記事をアップデートする。しかし、多くの点でこのApple Pay Laterは、同社がApple Cardで現在すでに行っていることの論理的な延長のようだ。Apple Cardの特典の1つは、Mac とiPadの分割払いプランだ。

【編集部注】 本記事はEngadgetから転載されている。

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画像クレジット：Apple

【原文】

If you’ve done any online shopping in the last little while, there’s a good chance you’ve run into services like Affirm and PayPal’s Pay in 4. They allow you to purchase something and pay for it later by splitting up the total cost of the item into several installments.

By the looks of things, Apple could soon offer a similar option to Apple Pay users. According to Bloomberg, the company is working with Goldman Sachs on a service called “Apple Pay Later” that will allow those with its devices to settle purchases over time, including ones they make at physical shops.

When using the service, the outlet says you’ll have two ways of paying for your purchase. If you pick the “Apple Pay in 4” option, you’ll need to make four interest-free payments across two months.

The other option is to extend the payment period over multiple months, though in that case interest comes into play. Bloomberg says it wasn’t able to determine how much interest Apple plans to charge or when the company will roll out the service.

We’ve reached out to Apple for comment on the report, and we’ll update this article when we hear back from the company. But in many ways, Apple Pay Later sounds like a logical extension of what the company is already doing with Apple Card, where one of the perks it offers is installment plans for Mac and iPad purchases.

Editor’s note: This post originally appeared on Engadget. 

（文：Igor Bonifacic、翻訳：Hiroshi Iwatani）

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