Apple Card, page-56

I don't know how this new Apple pay works exactly in regards to payment schedules , but what I've learnt from other credit card companies is this.

Its up to you to ensure that you pay your bills on time or else they slug you with the high interest rates, its up to the individual to ensure they make the payments on time.

The CC provider wants you to fall behind as this is how they make their income,
Afterpay is a different beast in that they WANT the customers to pay on time and offer automatic scheduled repayments to the customer.

One only has to link a account or card and ensure they have the funds and Afterpay does the rest for you.
This is what the millennials want from a product, no fuss and minimal commitment.