TechCrunch获悉，苹果公司将于本周二晚些时候在印度推出Apple Pay，并以Axis Bank（印度轴心银行）作为其首家合作银行，在多年观望一个由UPI主导的市场后，正式将这一支付服务引入这个全球人口最多的国家。
Apple is set to launch Apple Pay in India later Tuesday with Axis Bank as its initial banking partner, TechCrunch has learned, bringing its payments service to the world’s most populous country after years on the sidelines of a market dominated by UPI.
知情人士透露，最初的推出规模将较为有限。Apple Pay初期将支持Visa和Mastercard渠道的Axis Bank合规卡，但不支持印度本土的RuPay网络。商户和支付终端的受理范围也仅限于已开通该服务的终端。
The initial rollout will be limited, according to people familiar with the matter. Apple Pay will initially support eligible Axis Bank cards on Visa and Mastercard, but not India’s homegrown RuPay network. Acceptance will also be restricted to merchants and payment terminals that have been enabled for the service.
与印度无处不在的统一支付接口（UPI）系统不同，UPI允许消费者在不依赖银行卡的情况下进行即时的银行间转账，而Apple Pay则是基于银行卡的，需要单独的发行机构和支付基础设施提供商与该服务进行整合。这使得全面推广变得更加复杂。知情人士称，苹果的商业条款也成为了与印度几家最大银行谈判中的一个症结所在。
Unlike India’s ubiquitous Unified Payments Interface (UPI) system, which lets consumers make instant bank-to-bank payments without relying on cards, Apple Pay is card-based and requires individual issuers and payment infrastructure providers to integrate with the service. This makes a broad rollout more complex. Apple’s commercial terms have also emerged as a sticking point with some of India’s largest banks, the people said.
知情人士表示，苹果正寻求对每笔交易收取约20个基点的费用，这占去了支付层大约40到50个基点利润率的很大一部分。知情人士称，这一收费结构与Apple Pay在其他市场的商业模式大体一致。其中一位知情人士告诉TechCrunch，由于商业条款的谈判仍在继续，HDFC Bank（印度住房开发金融公司银行）、ICICI Bank（印度工业信贷投资银行）和SBI Card预计不会在推出时支持Apple Pay。
Apple is seeking a fee of about 20 basis points on transactions, according to the people, a significant bite out of the roughly 40 to 50 basis points of margin in the payments layer. The fee structure is broadly consistent with Apple Pay’s commercial model in other markets, the people said. HDFC Bank, ICICI Bank, and SBI Card are not expected to support Apple Pay at launch as negotiations over commercial terms continue, one of the people told TechCrunch.
苹果、Axis Bank、HDFC Bank、ICICI Bank和SBI Card均未回应置评请求。本月早些时候，路透社报道称，苹果正准备于10月份在印度推出Apple Pay，并从Axis Bank的信用卡开始。
Apple, Axis Bank, HDFC Bank, ICICI Bank, and SBI Card did not respond to requests for comment. Earlier this month, Reuters reported that Apple was preparing to launch Apple Pay in India in October, starting with Axis Bank credit cards.
Apple Pay进入的支付市场与美国及其他以银行卡为主的经济体截然不同。印度的数字支付热潮主要由国家支持的UPI系统推动，该系统允许消费者在银行账户之间直接转账。
Apple Pay is entering a payments market that looks markedly different from the U.S. and other card-heavy economies. India’s digital payments boom has been driven largely by UPI, the state-backed system that lets consumers move money directly between bank accounts.
UPI在印度处理了绝大部分数字支付，扫描二维码直接从银行账户付款已成为常态。相比之下，Apple Pay最初将面对规模小得多的银行卡支付市场。
UPI handles the bulk of digital payments in India, where scanning a QR code to pay directly from a bank account has become commonplace. Apple Pay, by contrast, will initially address a much smaller card payments market.
尽管如此，Apple Pay仍可能吸引印度日益壮大的iPhone用户群体，这些用户往往更富裕，也更倾向于使用高端信用卡。尽管UPI占据主导地位，但这些客户可能会让银行难以忽视这项服务。
Nevertheless, Apple Pay could appeal to India’s growing base of iPhone users, who tend to be more affluent and are more likely to use premium credit cards. Those customers could make the service hard for banks to ignore, despite UPI’s dominance.
即使Apple Pay仍是一项小众服务，其商业模式依然可能让印度对苹果具有重要意义。知情人士透露，苹果将收取的交易手续费将为其变现在印度不断增长的iPhone用户群提供另一途径。
Even if Apple Pay remains a niche service, the economics could still make India meaningful for Apple. The transaction fee the iPhone maker would charge would give it another way to monetize its growing base of iPhone users in the country, the people said.
知情人士表示，在发布之初，符合条件的Axis Bank（轴心银行）客户将被允许将其信用卡添加到苹果的“钱包”App中，并使用Apple Pay进行在线购物以及在支持的终端上进行非接触式支付。
At launch, eligible Axis Bank customers will be allowed to add their credit cards to Apple’s Wallet app and use Apple Pay for online purchases as well as contactless payments at supported terminals, the people said.
一位知情人士表示，Apple Pay交易可能在已启用该服务的独立支付服务商运营的终端上生效，却在收单银行未启用该服务的另一终端上失败。这可能导致在初期推出阶段，即使是持有受支持卡片的客户，也面临受理情况不均的问题。
An Apple Pay transaction could work at a terminal operated by an independent payments provider that has enabled the service but fail at another terminal whose acquiring bank has not, one of the people said. That could make acceptance uneven during the initial rollout, even for customers with supported cards.
此次发布为苹果在印度不断扩大的业务版图增添了新的一块拼图，苹果一直在扩大iPhone销售、本地制造和零售网络。据Counterpoint Research早前的一份报告，按价值计算，苹果在2025年占据了印度智能手机市场28%的份额，高于一年前的23%。
The launch adds another piece to Apple’s growing business in India, where it has been expanding iPhone sales, local manufacturing and its retail footprint. Apple accounted for 28% of India’s smartphone market by value in 2025, up from 23% a year earlier, per an earlier report by Counterpoint Research.
据印度英语日报《商业标准报》上月援引一位印度政府官员的话报道，印度目前已占全球iPhone产量的约四分之一，未来五年这一比例可能上升至30%至35%。
India already accounts for about a quarter of global iPhone production, and that share could rise to 30% to 35% over the next five years, Indian English daily Business Standard reported last month, citing an Indian government official.