WEBVTT

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Apple Pay arrived in India on 30 September.

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But no UPI support. So what's the difference?

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With one you tap your phone, with the other

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you scan a QR.

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For now only Axis Bank credit cards on Visa

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and Mastercard work. Not RuPay or debit

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cards yet.

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When you add a card, the bank gives a new

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number in its place: the Device Account

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Number.

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It stays locked in the phone's Secure Element

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chip. Your real card number isn't saved

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on the phone or on Apple's servers.

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You confirm with Face ID, and every payment

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gets a new one-time code.

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The phone taps, the request goes to the

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card network and Axis Bank approves. The

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shop never gets your real card number.

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Now UPI. Here your ID is name@bank.

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When you tap Pay, the app sends the request

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to the NPCI switch.

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NPCI sends it to your bank, which checks

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your UPI PIN and balance.

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If all is fine, the money goes straight

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from your bank to the shopkeeper's bank.

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So Apple Pay runs on card rails. UPI runs

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bank to bank.

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And UPI's scale? 24 billion transactions

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in September 2026, over 80 crore a day.

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So UPI for your chai, Apple Pay for credit

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card rewards.

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Which will you use? Tell me in the comments.