Apple Pay poised for India debut by end of 2026

Apple is preparing to bring its Apple Pay digital payments service to India, with an initial focus on contactless card payments, as it works with regulators, banks and card networks to finalise approvals.

Apple is moving closer to launching its Apple Pay service in India, signalling a potential shift in the country’s fast-evolving digital payments landscape. The contactless payment platform, widely used across global markets, is expected to make its India debut later this year, subject to regulatory clearances.

Currently available in 89 countries, Apple Pay allows users to make secure payments using iPhones and Apple Watches through near-field communication (NFC) technology. In India, the service is expected to enable tap-to-pay transactions at compatible point-of-sale terminals, similar to offerings already available on select Android smartphones.

Regulatory process and rollout strategy

According to reports citing industry sources, Apple is working closely with Indian regulators, banks and global card networks to facilitate the rollout. While the company has not officially confirmed a launch date, approvals from regulatory authorities are seen as the final hurdle before the service goes live.

The initial rollout is expected to focus on card-based contactless payments, allowing users to link their debit or credit cards for in-store, in-app and online transactions. Integration with the Unified Payments Interface (UPI), India’s dominant real-time payments system, may come at a later stage due to more complex compliance and operational requirements.

Apple is also said to be in discussions with card issuers over transaction fee structures. Reports suggest the company may not seek third-party app provider approval for UPI in the early phase, choosing instead to prioritise card payments for a smoother entry into the market.

Impact on India’s digital payments market

Once launched, Apple Pay is expected to intensify competition in India’s crowded digital payments ecosystem. Samsung already offers Samsung Wallet in the country, while UPI-based platforms dominate everyday transactions across urban and semi-urban markets.

Apple Pay users will be able to make payments at retail outlets, restaurants, fuel stations and other locations displaying contactless payment symbols. The service also supports secure payments within apps and on websites, wherever Apple Pay is enabled.

Globally, Apple Pay is supported by over 11,000 banks and network partners, including more than 20 local payment networks. Its entry into India could further push the adoption of NFC-based payments, particularly among premium smartphone users, as Apple expands its services footprint in one of the world’s largest digital economies.