I don't see the Apple Pay later option

Apple has not disclosed their criteria to be invited to APL. But invitations are specific to the person invited. I’ve been invited, but my spouse has not been invited. We are co-owners of an Apple Card account, so it could be partially random to people with Apple IDs.

Patience is required and I’m sure it’ll be opened to general public when it’s ready.

Apple Pay Later APL) is still invitation only program. Did you receive an invitation by email to participate in the beta program?

You’re welcome!