PaymentsJournal
No Result
View All Result
SIGN UP
  • Commercial
  • Credit
  • Debit
  • Digital Assets & Crypto
  • Digital Banking
  • Emerging Payments
  • Fraud & Security
  • Merchant
  • Prepaid
PaymentsJournal
  • Commercial
  • Credit
  • Debit
  • Digital Assets & Crypto
  • Digital Banking
  • Emerging Payments
  • Fraud & Security
  • Merchant
  • Prepaid
No Result
View All Result
PaymentsJournal
No Result
View All Result

Apple Pay Plans India Launch, but Without UPI Integration

By Tom Nawrocki
January 22, 2026
in Emerging Payments, News
0
0
SHARES
0
VIEWS
Share on LinkedIn
india real-time

India Gate historical memorial in New Delhi, India

After nearly a decade of effort, Apple Pay finally plans to enter India’s digital payments market by the end of the year—one of the few major developed markets it has yet to penetrate. But the company faces an uphill battle, as its service will initially not connect with India’s massively popular UPI payments interface.

The launch will focus on card-based contactless payments, allowing iPhone users to tap and pay at stores, restaurants, fuel stations, and other points of sale. This offering is likely aimed at credit card users and international payments, targeting a more upscale customer base in a market where India’s share of global cross-border payments market is estimated at $300 billion.

Apple’s hardware business is already strong in India, recording its highest-ever quarterly shipments in Q3 2025 with 5 million units sold, accounting for roughly a fifth of its total iPhone sales.

Head-to-Head with UPI

However, UPI dominates India’s everyday digital payments, controlling 85% of all digital transactions. Apple will not initially pursue integration with UPI due to complex regulatory and technical hurdles, putting it behind competitors. Google Pay, for example, processes about 7 billion UPI transactions per month, second only to the PhonePe payments app, and recently launched a credit card in the region—another foothold Apple has yet to establish.

Outside the UPI ecosystem, digital payments are scarce and shrinking. RuPay, the card network run by the National Payments Corporation of India (NPCI), processed 1.2 billion transactions in 2023, falling to 938 million in 2024 and 664 million through November 2025.

Stumbling Blocks

Apple has eyed the Indian market since at least 2017, but bureaucratic and technical obstacles have consistently stood in the way.

India’s central bank requires data localization, meaning Apple must either build local data centers or partner with compliant Indian financial entities. Biometric identification, heavily regulated in India, has also posed challenges.

0
SHARES
0
VIEWS
Share on LinkedIn
Tags: AppleApple PayGoogle PayIndiaPhonePeTap to PayUPI

    Get the Latest News and Insights Delivered Daily

    Subscribe to the PaymentsJournal Newsletter for exclusive insight and data from Javelin Strategy & Research analysts and industry professionals.

    Must Reads

    embedded finance for banks

    Embedded Finance: Banks’ New Growth Channel

    August 19, 2026
    digital gift card experience

    How Leading Brands Are Building Better Digital Gift Card Experiences

    August 18, 2026
    AI fraud prevention for credit unions

    When AI Changes Fraud, Trust Becomes Everything

    August 17, 2026
    fednow

    How the Evolving Role of the CFO Is Changing Payments Strategy

    August 14, 2026
    real-time payment fraud prevention, alternative payment fraud liability

    How Innovation Is Transforming Payment Fraud Prevention

    August 13, 2026
    phygital payments

    Why People Still Want Physical Things in a Digital World

    August 12, 2026
    AI debt collection, Apple Pay transaction growth

    How AI Makes Collections More Human—and More Effective

    August 11, 2026
    FedNow Service

    The Use Cases Propelling the FedNow® Service’s Growth—and Shaping Its Future

    August 10, 2026

    Linkedin-in X-twitter
    • Commercial
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Digital Banking
    • Commercial
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Digital Banking
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    • About Us
    • Advertise With Us
    • Sign Up for Our Newsletter
    • About Us
    • Advertise With Us
    • Sign Up for Our Newsletter

    ©2026 PaymentsJournal.com |  Terms of Use | Privacy Policy

    • Commercial Payments
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    No Result
    View All Result