Apple Pay Comes to India via Razorpay

Razorpay has officially integrated Apple Pay into its international payments suite, becoming the first Indian payment aggregator to do so. This allows eligible Indian merchants to accept seamless, biometric-authenticated payments from global customers using Apple Pay.

Key Highlights:

• Global Reach: Apple Pay has over 500 million users worldwide, with 90% of U.S. merchants already accepting it.
• Merchant Impact: Early adopters include Mokobara, Akasa Air, Sabyasachi, House of Masaba, and others.
• Checkout Revolution:
  • 58% boost in conversion rates
  • 45% faster checkout times
  • 12% increase in average order value
• Frictionless Payments: No CVV, OTP, or manual card entry—just Face ID or Touch ID for instant authentication.
• Cross-Border Compliance: Designed to align with India’s cross-border payment regulations, targeting supported geographies.

Strategic Context:

• This move follows Razorpay’s reverse flip to India and its international expansion into Singapore and Malaysia.
• The integration is seen as a strategic step toward IPO readiness and global merchant enablement, especially for Indian brands scaling abroad.

Apple Pay is officially supported in several Southeast Asian countries, including Singapore, Malaysia, Vietnam, Thailand, Indonesia and Phillipines.

Despite Apple’s rapid growth in India’s premium smartphone segment, Apple Pay is not officially supported for domestic transactions. India mandates local data storage and PIN-based authentication for digital payments, which conflicts with Apple Pay’s biometric-first model.

India’s digital payment space is dominated by UPI-based apps like PhonePe, Google PAY, BHIM and Paytm, making it tough for Apple Pay to gain traction. Apple’s small market share and exclusive device compatibility reduce incentives for Indian merchants to support Apple Pay.

However, Razorpay has enabled Apple Pay for international transactions, allowing Indian merchants to accept payments from global Apple Pay users in supported geographies.

Country	Apple Pay Status
Singapore	✅ Fully supported
Malaysia	✅ Supported via Curlec (Razorpay’s acquisition)
Vietnam	✅ Supported
Thailand	✅ Supported
Indonesia	❌ Not officially supported
Philippines	❌ Not officially supported