- Apple stops accepting payments through Indian credit and debit cards
- This has happened to the new auto-debit rules laid down by the RBI
- Currently, it only supports payments through net banking, UPI, and Apple ID Balance
Apple has stopped accepting payments through Indian credit and debit cards for app purchases and subscriptions. Consequently, people in India are unable to pay for services like Apple Music or iCloud with a credit or debit card. They can’t buy apps or buy any media with their cards now.
Last year, the Reserve Bank of India implemented new auto-debit rules for recurring payments like subscriptions in October 2021. As per RBI’s direction, banks are required to get approval from customers through “Additional Factors of Authentication (AFA)” for recurring payments. The transaction will be declined if there is no AFA approval.
Apple is now accepting payments through Apple ID only
“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 might be declined by banks and card issuers,” according to Apple’s support page post, which was published on April 18th, 2022.
Apple users who are using a credit or debit card as a payment method using their Apple ID are now seeing an error that reads, “This card type is no longer supported.” Apple has also sent out emails to users to inform them about the new development. The email reads, “Due to the Reserve Bank of India (RBI) regulations, Apple Search Ads will soon no longer accept payments from credit cards issued by banks in India.”
It further said, “Starting 1 June, all campaigns using a credit card issued from a bank in India will be placed on hold. To avoid a lapse in serving ads to your customers, you can use a credit card issued by a bank outside of India. You can update your payment method by going to the billing tab in your account settings.
The new stipulations require the Cupertino-based company to create an e-mandate for credit and debit cards in India. For issuing recurring payments, customers in India are required to use 2FA and setup a new e-mandate. In addition, customers need to give their consent when making subsequent payments of more than Rs 5,000.
Now that Apple is no longer accepting payments through credit or debit cards in India, users can purchase apps or subscriptions using Apple ID funds. This requires users to add money to the Apple ID through internet banking or UPI.