Apple no longer accepts credit and debit cards in India

Customers in India can no longer use a debit or credit card for subscriptions and app purchases using their Apple ID. This means they can no longer buy apps from the App Store, subscribe to Apple services, or buy Apple media with credit or debit.

Customers must now add money to their Apple Funds just as they would with a prepaid card. According to The news minute, the money will be deducted from their account each month as their subscription renews. Any new Apple user will need to add their banking information when manually creating a new Apple ID during device setup.

Since Apple support site April 18:

Regulatory requirements in India apply to the processing of recurring transactions. If you have an Indian debit or credit card and have a subscription, these changes impact your transactions. Some transactions may be declined by banks and card issuers. To continue enjoying your subscriptions, you can pay with your Apple ID balance. You can add to your Apple ID balance using App Store, Net Banking, and UPI codes.

Twitter users have complained – some even received error messages saying, “This card type is no longer supported”. User @kgvarunkanth shares a screenshot of the other three ways to add funds to your account.

It started in October 2021

This news comes after last year’s new direct debit rules from the Reserve Bank of India (RBI). Due to the new stipulations, banks now require customer approval via “Additional Authentication Factors (AFA)” for recurring transactions such as subscriptions. If not approved through the AFA, then the transaction will be declined.

The new rules also state that Apple must implement an electronic mandate for customer cards. Apple customers in India will need to use two-factor authentication and set up a new electronic mandate when issuing recurring payments. They will also have to give their consent for each purchase above Rs 5,000.

After this announcement, Apple warned developers that their best way to promote in-app payments is with a customer’s Apple ID balance. Developers can also allow a billing grace period to give customers time to correct their payment information if they’re having trouble completing a transaction.

The 9to5Mac take

This looks like a downside for customers in India. While I’m glad they still have access to Apple Media, unfortunately it’s not as easy as it used to be. Despite these stipulations coming from the RBI, I hope Apple can simplify the process for these customers in the future.

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