Razorpay enables Apple Pay for OTP-free checkout in India

Razorpay has enabled Apple Pay for online and in-store payments across India, allowing eligible shoppers to skip OTPs and authorize transactions with Face ID or Touch ID. The integration comes after Apple Pay’s September launch in India with Axis Bank and PayU, though it’s unclear how widely biometric authentication has been used in the market so far.

This isn’t just another payment option—it may signal a shift in consumer behavior. India’s digital payments have relied on OTPs, a security layer that adds friction to transactions. Razorpay’s integration removes that friction for Apple users, a segment that could influence broader adoption.

The timing aligns with PhonePe’s rural expansion push, covered in StartupReader on September 24, which highlights the competitive payments landscape. Razorpay’s Apple Pay move targets users with iPhones and premium credit cards, positioning itself for high-value, low-friction transactions. This contrasts with its earlier focus on infrastructure resilience, as noted in our September 30 coverage.

Merchant adoption will be key. Razorpay’s integration is live with brands like Zepto and IndiGo, but scaling biometric payments depends on more than technical readiness. It requires trust in the technology, which has faced skepticism even in markets like the UK, where Revolut rolled out facial recognition payments, as reported on September 24.

What’s next? Two developments could shape the outcome. Second, how quickly merchants beyond premium brands adopt the technology. If Apple Pay gains traction, it might push the industry to reconsider authentication norms. For now, Razorpay’s integration is an experiment—one that could redefine how India pays.

Sources: yourstory.com