Apple Pay Set To Enter India With UPI Integration By 2026-End

Apple Inc. is preparing to introduce its digital payments service, Apple Pay, in India by the end of 2026. The launch will mark Apple’s entry into one of the fastest-growing digital payments markets globally. Reports suggest the service will debut with card-based contactless payments, allowing users to link debit and credit cards to Apple Wallet for seamless transactions.  

The company is in active discussions with regulators, banks, and global card networks such as Visa and Mastercard to secure necessary approvals. UPI integration, a critical step for success in India’s payments ecosystem, is expected to follow in later phases. Analysts believe Apple Pay’s entry could reshape consumer payment experiences, bringing advanced security features and convenience to millions of iPhone and Apple Watch users.  

Phased Rollout  
Initial launch with card-based NFC payments, followed by UPI integration.  

Regulatory Engagement  
Apple in talks with RBI, NPCI, and card networks for approvals.  

Competitive Landscape  
Apple Pay to challenge UPI leaders Google Pay, PhonePe, and Paytm.  

Key Highlights  

• Apple Pay India launch expected by late 2026  
• Service to start with card-based contactless payments  
• UPI integration planned in subsequent phases  
• Strong competition from existing UPI apps  

Future Outlook  
Apple Pay’s entry could accelerate innovation in India’s digital payments sector, offering consumers more secure and convenient options while intensifying competition among leading payment platforms.  

Sources: Bloomberg, Business Standard, WION