Hi - this is not the Apple upgrade programme you will own the phone after 20 months
I was looking for a good deal to buy an iPhone 7 outright but saw this programme on the Apple site ( the links on the bottom of the first page on mobile - click on the link where it says "You can also choose to make low monthly payments without AppleCare+.")
Works out a good way to buy the phone outright but spreading the cost without any interest.
Looks like it's in store only
Hopefully this helps someone who is looking