苹果周二开始在印度推出 Apple Pay，TechCrunch 率先报道了这一消息。其首家银行合作伙伴是印度第三大私营贷款机构——轴心银行。这一举措将苹果的支付服务带入了世界人口最多的国家，此前因市场由国家支持的统一支付接口（UPI）主导，该服务在印度延迟了多年才得以推出。
Apple began rolling out Apple Pay in India on Tuesday, as TechCrunch was first to report. Its first banking partner is Axis Bank, the country’s third-largest private-sector lender. The move brings the company’s payments service to the world’s most populous country after years of delays in a market dominated by the state-backed United Payments Interface (UPI).
初期推出范围有限。Apple Pay 仅支持轴心银行发行的符合条件的 Visa 和万事达卡，不支持印度本土的 RuPay 网络。受理范围也将仅限于已开通该服务的商户和支付终端。
The initial rollout is limited. Apple Pay supports 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.
苹果表示，该服务将在印度数百万商户处受理，包括 Blinkit、Croma、Ixigo、信实旗下品牌、Tata 1mg 和 Zomato。苹果已与包括 Cashfree、JusPay、Mswipe、Paytm、PayU、Pine Labs、Razorpay 和 Worldline 在内的支付服务提供商合作，以启用 Apple Pay 受理功能。
Apple said the service would be accepted by “millions of merchants” across India, including Blinkit, Croma, Ixigo, Reliance brands, Tata 1mg, and Zomato. The company has worked with payment service providers including Cashfree, JusPay, Mswipe, Paytm, PayU, Pine Labs, Razorpay, and Worldline to enable Apple Pay acceptance.
与印度无处不在的统一支付接口（UPI）系统不同，后者让消费者无需依赖银行卡即可进行即时银行间转账，Apple Pay 基于银行卡，需要各个发卡行和支付基础设施提供商与该服务集成。这使得大规模推广更加复杂。据知情人士透露，苹果的商业条款也已成为印度一些最大银行的争议点。
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.
据知情人士透露，苹果寻求收取约 20 个基点（0.2%）的交易手续费，这将从支付层约 40 至 50 个基点（0.4% 至 0.5%）的利润空间中抽成相当大一部分。知情人士称，这一费用结构与 Apple Pay 在其他市场的商业模式大体一致。一位知情人士告诉 TechCrunch，由于商业条款谈判仍在继续，HDFC 银行、ICICI 银行和 SBI Card 暂不支持 Apple Pay。
Apple is seeking a fee of about 20 basis points (0.2%) on transactions, according to the people, a significant bite out of the roughly 40 to 50 basis points (0.4% to 0.5%) 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 supporting Apple Pay at launch as negotiations over commercial terms continue, one of the people told TechCrunch.
苹果公司、Axis银行、HDFC银行、ICICI银行以及SBI银行均未对相关新闻发表评论。本月早些时候，路透社报道称苹果公司计划于10月在印度推出Apple Pay服务，首批支持该服务的将是Axis银行的信用卡用户。
Apple, Axis Bank, HDFC Bank, ICICI Bank, and SBI Card did not respond to requests for comment on the launch. Earlier this month, Reuters reported that Apple was preparing to launch Apple Pay in India in October, starting with Axis Bank credit cards.
苹果Pay所进入的印度支付市场与美国及其他以信用卡为主要支付手段的经济体存在显著差异：印度的数字支付市场主要依赖于由政府支持的UPI系统（Union Payments Interface），该系统允许消费者直接在银行账户之间转账。在印度，通过扫描二维码进行支付已成为非常普遍的支付方式；相比之下，Apple Pay主要针对的是规模较小的信用卡支付市场。
Apple Pay has entered 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 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, initially addresses a much smaller card payments market.
尽管如此，苹果Pay仍有可能吸引印度不断增长的iPhone用户群体——这些用户通常较为富裕，更倾向于使用高端信用卡。因此，即使UPI系统占据主导地位，这些用户仍可能成为苹果Pay的重要客户群体，使得银行难以忽视这一服务。
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.
据业内人士分析，即使Apple Pay目前仍属于小众服务，但从经济角度来看，印度市场对苹果公司依然具有重要意义：苹果公司可以通过收取交易费用来进一步实现其在该国用户群体中的盈利目标。
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.
在Apple Pay正式推出后，符合条件的Axis银行客户可以将自己的信用卡添加到苹果的“钱包”（Wallet）应用程序中，并通过Apple Pay进行在线购物或在使用该服务的非接触式支付终端上进行支付。
At launch, eligible Axis Bank customers can 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.
此外，一位业内人士指出：在某些由独立支付服务提供商运营的终端上，Apple Pay可能能够正常使用；但在那些尚未支持该服务的终端上，Apple Pay可能会无法使用（因为这些终端的收单银行尚未接入Apple Pay系统）。这可能导致在服务初期，即使用户拥有支持Apple Pay的信用卡，也无法在所有终端上顺利完成支付。
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.
此次产品的发布进一步丰富了苹果在印度市场的业务布局。苹果一直在印度扩大iPhone的销售规模、推动本地化生产，并加强其零售网络。根据Counterpoint Research的报告，2025年苹果在印度智能手机市场的份额（按销售额计算）将达到28%，而一年前这一比例为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》《Business Standard》上个月援引一位印度政府官员的话称，印度目前占全球iPhone产量的约四分之一，这一比例在未来五年内可能会上升至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.