Тус компани Axis Bank-тай хамтран Энэтхэгийн дижитал төлбөрийн зах зээлд нэвтэрч байгаа бөгөөд эхний ээлжид хязгаарлагдмал хүрээнд үйлчилгээгээ үзүүлэхээр төлөвлөжээ.
Apple компани Энэтхэг дэх үйл ажиллагаагаа өргөжүүлж, Apple Pay үйлчилгээг Axis Bank-тай хамтран нэвтрүүлж байна. Эхний шатанд Visa болон Mastercard сүлжээний Axis Bank-ын картуудыг дэмжих бөгөөд RuPay сүлжээг одоогоор хамруулаагүй байна. Төлбөрийн үйлчилгээ нь зөвхөн тусгайлан тохируулсан төлбөрийн терминал болон худалдаа эрхлэгчид дээр ажиллах тул хэрэглэгчдийн хувьд үйлчилгээний хүртээмж харилцан адилгүй байх төлөвтэй байна.
Энэтхэгийн төлбөрийн зах зээл нь банк хоорондын шууд төлбөр тооцоо хийх боломжтой UPI системээр давамгайлсан онцлогтой. Apple Pay нь карт дээр суурилсан үйлчилгээ тул банкны дэд бүтэцтэй нэгдэх шаардлагатай байдаг нь зах зээлд нэвтрэх үйл явцыг төвөгтэй болгож байна. Мөн гүйлгээний шимтгэлийн хувь хэмжээний асуудлаар томоохон банкуудтай яриа хэлэлцээ үргэлжилж байгаа тул HDFC Bank, ICICI Bank, SBI Card зэрэг байгууллагууд үйлчилгээг хараахан дэмжээгүй байна.
Энэхүү алхам нь Apple-ын Энэтхэг дэх бизнесийн стратегийн нэг хэсэг юм. Тус компани нь тус улсад iPhone-ын борлуулалт, үйлдвэрлэлээ нэмэгдүүлж байгаа бөгөөд 2025 онд Энэтхэгийн ухаалаг утасны зах зээлийн 28 хувийг эзэлжээ. Хэдийгээр UPI систем давамгайлсан хэвээр байгаа ч Apple Pay нь iPhone хэрэглэгчдийн дунд эрэлттэй байх төлөвтэй байгаа нь тус компанийн хувьд шинэ орлогын эх үүсвэр болох боломжтой юм.
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Apple is set to launch Apple Pay in India later Tuesday with Axis Bank as its initial banking partner, TechCrunch has learned, bringing its payments service to the world’s most populous country after years on the sidelines of a market dominated by UPI.
The initial rollout will be limited, according to people familiar with the matter. Apple Pay will initially support eligible Axis Bank cards on Visa and Mastercard, but not India’s homegrown RuPay network. Acceptance will also be restricted to merchants and payment terminals that have been enabled for the service.
Unlike India’s ubiquitous Unified Payments Interface (UPI) system, which lets consumers make instant bank-to-bank payments without relying on cards, Apple Pay is card-based and requires individual issuers and payment infrastructure providers to integrate with the service. This makes a broad rollout more complex. Apple’s commercial terms have also emerged as a sticking point with some of India’s largest banks, the people said.
Apple is seeking a fee of about 20 basis points on transactions, according to the people, a significant bite out of the roughly 40 to 50 basis points of margin in the payments layer. The fee structure is broadly consistent with Apple Pay’s commercial model in other markets, the people said. HDFC Bank, ICICI Bank, and SBI Card are not expected to support Apple Pay at launch as negotiations over commercial terms continue, one of the people told TechCrunch.
Apple, Axis Bank, HDFC Bank, ICICI Bank, and SBI Card did not respond to requests for comment. Earlier this month, Reuters reported that Apple was preparing to launch Apple Pay in India in October, starting with Axis Bank credit cards.
Apple Pay is entering a payments market that looks markedly different from the U.S. and other card-heavy economies. India’s digital payments boom has been driven largely by UPI, the state-backed system that lets consumers move money directly between bank accounts.
UPI handles the bulk of digital payments in India, where scanning a QR code to pay directly from a bank account has become commonplace. Apple Pay, by contrast, will initially address a much smaller card payments market.
Nevertheless, Apple Pay could appeal to India’s growing base of iPhone users, who tend to be more affluent and are more likely to use premium credit cards. Those customers could make the service hard for banks to ignore, despite UPI’s dominance.
Even if Apple Pay remains a niche service, the economics could still make India meaningful for Apple. The transaction fee the iPhone maker would charge would give it another way to monetize its growing base of iPhone users in the country, the people said.
At launch, eligible Axis Bank customers will be allowed to add their credit cards to Apple’s Wallet app and use Apple Pay for online purchases as well as contactless payments at supported terminals, the people said.
An Apple Pay transaction could work at a terminal operated by an independent payments provider that has enabled the service but fail at another terminal whose acquiring bank has not, one of the people said. That could make acceptance uneven during the initial rollout, even for customers with supported cards.
The launch adds another piece to Apple’s growing business in India, where it has been expanding iPhone sales, local manufacturing and its retail footprint. Apple accounted for 28% of India’s smartphone market by value in 2025, up from 23% a year earlier, per an earlier report by Counterpoint Research.
India already accounts for about a quarter of global iPhone production, and that share could rise to 30% to 35% over the next five years, Indian English daily Business Standard reported last month, citing an Indian government official.
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