In India, Apple has banned from accepting debit cards, credit cards, and app purchases

In India, Apple has banned from accepting debit cards, credit cards, and app purchases ...

In India, Apple has discontinued accepting card payments for subscriptions and app purchases using Apple ID. This means that you are no longer permitted to purchase apps from the App Store, receive Apple subscriptions such as iCloud+ and Apple Music, or purchase any media content from Apple. The changes are a result of the new auto-debit rules from the Reserve Bank of India (RBI) that came into force last year and are causing havoc on regular online transactions.

Several Apple users have taken to Twitter to express concern about the removal of the credit and debit card option from Apple''s payment methods in India. The users who already have a card added as a payment method to their account are not permitted to make any fresh payments through their Apple ID, as the company is displaying an error saying, "This card type is no longer supported."

According to another support page on the Apple site, the company currently supports netbanking, UPI, and Apple ID balance. The change took place in April, but the date has not been revealed.

"Regulatory requirements in India apply to the processing of recurring transactions. If you hold an Indian debit or credit card and you have a subscription, these changes impact your transactions. Some transactions may be denied by banks and card issuers," the company said on its support page.

The regulatory limitations, which were basically the new auto-debit rules implemented in October, are limiting Apple to receive recurring payments from Indian users via credit and debit cards. The change is also forcing the iPhone maker to accept transactions through UPI and netbanking the two capabilities it had introduced for its users in the country last year.

The new regulations require merchants like Apple to create an e-mandate for customer cards. Customers also need to use two-factor authentication and establish a fresh e-mandate for recurring payments. These regulations also require customers to give their consent each time they need to pay a later payment of more than Rs.5,000. All this is making it difficult for Apple to continue to support card payments.

Apple is not alone in adopting its payments strategy. Google is also one of the most heavily impacted firms due to the RBI update. A large number of its users are dealing with difficulties in making regular payments and purchases via their credit cards on Google Play and YouTube. The company is also unable to process Google Workspace transactions for many users due to the limitations.

As a result of the auto-debit rules, Netflix provided UPI AutoPay support for recurring payments on its platform.

The National Payments Corporation of India (NPCI) introduced the UPI AutoPay feature in 2020, which allows auto-debit of regular payments. It is giving companies including Apple and Netflix a huge reason to prefer the local interface over traditional cards.

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