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Apple Now Accepting UPI, Rupay Cards and Net Banking for App Store Payments in India

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Apple has started accepting App Store and iTunes payments in India using UPI and Rupay cards and Net Banking.


The acceptance of RuPay and Unified Payments Interface (UPI) cards means Apple users in India will be able to use the domestic payment systems as alternatives to regular credit/debit card payment methods to add funds to their Apple ID balance.

They can then use their Apple ID balance to buy apps, games, music, iCloud storage, and more in Apple's online stores.

RuPay was launched in India in 2012, and facilitates real-time electronic payments at all Indian banks and financial institutions. The massively popular instant payments network UPI followed in 2016.

Article Link: Apple Now Accepting UPI, Rupay Cards and Net Banking for App Store Payments in India
 
Article Link
https://www.macrumors.com/2021/07/30/apple-app-store-india-rupay-upi-payments/
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himanshumodi said:
Credit Card is only the most convenient if you can pay with something like Apple Pay. Since that's not available in India, UPI is the most convenient.
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Have been paying with my HDFC credit card for years now. No changes have been made to that process. It doesn’t ask for OTPs. I’m charged monthly without the need for OTPs or any other type of confirmation. I can also make purchases on the App Store the same way.
 
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Eitherone said:
Credit cards are still the most convenient way to pay. I feel this is wasted effort.
Click to expand...
Where are you from/do you reside?

The vast majority does not have a creditcard in India, don't have the means to do anything with it.
The majority of the population is still very poor, live on a daily income bases, can't afford a credit card.
 
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justperry said:
Where are you from/do you reside?

The vast majority does not have a creditcard in India, don't have the means to do anything with it.
The majority of the population is still very poor, live on a daily income bases, can't afford a credit card.
Click to expand...
I am from india. Have always stayed in India. The majority that doesn’t have anything to do with a credit card unfortunately doesn’t have anything to do with Apple either.
 
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I believe there are some regulatory constraints or requirements to bring apple pay in India and perhaps, that's the reason its not there.

trak.in

Apple Pay Will Not Launch In India – 2 Major Reasons Why Apple Took This Decision!

In an anti-Digital India move, Apple, world’s largest technology company has decided not to launch their flagship cashless payment system Apple Pay in India. But why did Apple make this decision?
trak.in trak.in



that's true, number of people that don't have credit card in India is still very high but then, those people don't care about apple anyways.

Thats were this RuPay and UPI based systems come in place.

Lot more people now have Bank account and these payment systems work directly with bank accounts. its actually a really big market for these UPI based system providers.
 
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You said this
Eitherone said:
Credit cards are still the most convenient way to pay. I feel this is wasted effort.
Click to expand...
Then followed up with a reply to me down below.
Eitherone said:
I am from india. Have always stayed in India. The majority that doesn’t have anything to do with a credit card unfortunately doesn’t have anything to do with Apple either.
Click to expand...

Credit card use in India is limited, that's my point because most won't use them for the reasons I pointed out before.
Credit cards are by no way the easiest way to pay, for convenience ApplePay on an Apple watch can't be beaten.
There are also simple Apps like the ones mentioned on this topic, there are a lot more people in India using these (transfer) Apps than having credit cards, so your point is moot.
 
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I do not understand why there are so many disagreements here. Apple added a few country-specific payment methods in a country so that it can get more business in that country. What exactly are people quibbling about, here? 😅

This addition also needs to be seen from the context of what the government of that country is doing to its citizens. Here is the context:

This also comes at a time when the government of said country is doing everything it can do to f*** up the payment processors going by the name of American Express, Diners Club and MasterCard. Apple is adding payment methods to help its customers keep paying for its services in this country where the people with (and even without) credit/ debit cards are going to suffer owing to restrictive and prohibitive policies of the government there.

AMEX/ MasterCard/ Diners Club are currently disallowed to onboard new credit card customers in the country. MasterCard is even disallowed to onboard new debit card customers. So, it only makes sense for Apple to add payment methods to try and keep people paying for its services, since people will have to rely more on other payment methods now, thanks to policies of that government.

I do not understand how this addition is hurting anyone.
 
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I agree that having options doesn’t hurt. All I meant was there are other things that Apple could do in india.

My personal experience with credit card payments has been good. I hope we get Apple Pay soon. My personal experience with UPI and those apps has not been great. I hope Apple can fix that experience.

Apple products are expensive in India. I feel the number of people who wouldn’t have a credit card and use iOS would be small. But I could be wrong. I’m not the oracle. Not trying to inform the world. It’s a comment on an online forum not a published thesis with citations.

It’s true that the govt is discouraging onboarding new credit card customers. I buy that reason.

Not much quibbling. It was just a comment based on my personal experience with payments in the country but apparently I’m an “ignorant American” for my views now.
 
Eitherone said:
I agree that having options doesn’t hurt. All I meant was there are other things that Apple could do in india.

My personal experience with credit card payments has been good. I hope we get Apple Pay soon. My personal experience with UPI and those apps has not been great. I hope Apple can fix that experience.

Apple products are expensive in India. I feel the number of people who wouldn’t have a credit card and use iOS would be small. But I could be wrong. I’m not the oracle. Not trying to inform the world. It’s a comment on an online forum not a published thesis with citations.

It’s true that the govt is discouraging onboarding new credit card customers. I buy that reason.

Not much quibbling. It was just a comment based on my personal experience with payments in the country but apparently I’m an “ignorant American” for my views now.
Click to expand...

The reason Apple Pay is not in India currently is not Apple. And if you buy the reason and the manner the government is going about affairs, then you likely need to know more about GDPR and data sharing between countries and entities. :)
 
Eitherone said:
I agree that having options doesn’t hurt. All I meant was there are other things that Apple could do in india.

My personal experience with credit card payments has been good. I hope we get Apple Pay soon. My personal experience with UPI and those apps has not been great. I hope Apple can fix that experience.

Apple products are expensive in India. I feel the number of people who wouldn’t have a credit card and use iOS would be small. But I could be wrong. I’m not the oracle. Not trying to inform the world. It’s a comment on an online forum not a published thesis with citations.

It’s true that the govt is discouraging onboarding new credit card customers. I buy that reason.

Not much quibbling. It was just a comment based on my personal experience with payments in the country but apparently I’m an “ignorant American” for my views now.
Click to expand...
Fair enough.
By the way, there are around 60 million credit card users in India.
 
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macintoshmac said:
The reason Apple Pay is not in India currently is not Apple. And if you buy the reason and the manner the government is going about affairs, then you likely need to know more about GDPR and data sharing between countries and entities. :)
Click to expand...
Whoa. I’m not supporting the governments ways. I was saying it’s good they’ve added payment methods since the government is discouraging new credit card customers. I was agreeing with your reasoning.
 
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justperry said:
Where are you from/do you reside?

The vast majority does not have a creditcard in India, don't have the means to do anything with it.
The majority of the population is still very poor, live on a daily income bases, can't afford a credit card.
Click to expand...
Think he means debit card. Asian families are very careful with money and they don’t like taking credit. They prefer only to take debt for buying property or investing in a business.
 
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ArPe said:
Think he means debit card. Asian families are very careful with money and they don’t like taking credit. They prefer only to take debt for buying property or investing in a business.
Click to expand...
This is 100% correct. Indians stay away from Credit Cards and prefer using Debit cards, which is a very sensible thing to do. Majority of the Credit card holders prefer paying off full due amounts rather than revolve their credits.Another reason why Credit Card companies hate doing business in India while the main reason being majority Indians use their brains while dealing with money, however little or more they may have, which the Credit Card companies don't want in their users. 😁

Overall a very smart move by Apple to introduce more payment options.
 
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