Apple Pay In India: Will It Really Work?

India is increasingly moving towards digital transactions and banking options in the recent times as we are witnessing a big surge in UPI payments. In this context, Apple is coming up with its trademark payment platform, Apple Pay in India starting very soon.

Apple Pay is likely to enter India by mid 2026, but the big question is whether it can truly succeed in a market already dominated by strong local players.

In India, digital payments are almost equal to UPI. Platforms like PhonePe, Google Pay, and Paytm already have massive user bases. They are deeply connected to UPI, widely accepted by small shops, street vendors, malls, and online platforms. For most Indians, scanning a QR code through these apps has become a daily habit.

Apple Pay may face challenges because India is a price sensitive market. Only a small percentage of smartphone users own iPhones. Since Apple Pay works only within the Apple ecosystem, its reach will be limited compared to Android based apps that dominate the country.

However, Apple Pay could still find success in premium urban segments. Metro cities like Mumbai, Hyderabad, and Bengaluru have a growing base of iPhone users.

Apple’s strong focus on security and privacy may attract high income customers who prefer seamless and secure transactions.

Another key factor will be how well Apple integrates with UPI. If Apple Pay fully supports UPI and offers cashback or rewards, it could gain traction faster.

Overall, Apple Pay may not replace existing leaders, but it can carve out a profitable niche among premium users in India.