Apple has shut down its Apple Pay Later service in a shocking announcement.

Using Apple Pay Later was to simply choose the option at checkout while finalizing a purchase through Apple Pay.

Apple has not shared why it’s been removed but some believe it is in an effort to realign its focus on other financial programs

The shutdown has caused some major ramifications for users as well as merchants who depended on Apple Pay Later for their transactions.

Many people are surprised because Apple Pay Later was thought to be a major rival to existing services by other companies.