Apple Pay is reportedly preparing to launch in India by the end of 2026, potentially setting up a rivalry with established players like Google Pay and UPI-based applications. The service is currently awaiting regulatory approvals, with Apple working closely with banks, regulators, and card networks to facilitate its rollout in the country.

The initial launch phase is expected to concentrate on card-based contactless payments. This will allow users to add their Indian-issued credit and debit cards to Apple Wallet and make payments by tapping their iPhones or Apple Watches on NFC-enabled terminals. This approach allows Apple to enter the market without immediately tackling the complexities of integrating with India's Unified Payments Interface (UPI). However, future integration with UPI remains a possibility, though it would require further regulatory clearance.

Apple Pay's entry into India comes at a time when the company is experiencing significant growth in the country. In the third quarter of 2025, Apple recorded its highest-ever quarterly shipments in India, securing fourth place in the market, according to IDC data. The launch of Apple Pay aligns with Apple's strategic objective to expand its services business in India, further boosted by the recent introduction of Apple Fitness+.

Apple Pay's "Tap to Pay" feature is expected to be available in India upon launch, similar to its functionality in over 50 other markets. This feature will enable users to make contactless payments at various locations, including stores, restaurants, and fuel stations that display contactless payment symbols. Apple Pay can also be used for payments within apps and online wherever the service is supported.

While UPI dominates the digital payment landscape in India, Apple is reportedly unlikely to pursue third-party application provider approval for that system in the near term. Currently, Apple Pay is available in 89 markets worldwide and is backed by over 11,000 banks and network partners, including more than 20 local payment networks. Meanwhile, Samsung, a key competitor, already offers its digital payment service, Samsung Wallet, in India.