Apple Pay’s entry into India’s cross-border payments ecosystem is set to influence how Indian merchants accept international payments and how global consumers transact with Indian brands. Recent integrations by payment firms such as PayGlocal, Cashfree Payments, and Razorpay are enabling Apple Pay for international card users, offering an additional option for secure payments.

Simplified experience for users

For consumers, Apple Pay aims to simplify online transactions through biometric authentication and tokenisation. Payments can be completed with a single tap using Face ID or Touch ID, reducing manual data entry and the risk of fraud. The system replaces card numbers with unique tokens, ensuring sensitive information is not shared with merchants.

According to Yogesh Lokhande, Co-fou

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