Accept one-tap, OTP-free payments from customers in 170+ countries including the United States, United Kingdom, Canada, UAE, and Australia with Apple Pay on Cashfree International Payment Gateway.
Cashfree Payments is one of the first Indian fintechs to enable Apple Pay for international card transactions, launched September 23, 2025. Apple Pay is available for all merchants using Cashfree's International Payment Gateway.
Digital wallets now account for nearly 60% of global e-commerce transactions. Apple Pay specifically leads adoption in the highest-spending markets for Indian exporters.
Apple Pay at scale globally:
For Indian merchants selling to customers in the US, UK, UAE, Canada, and Australia, not supporting Apple Pay means asking premium global buyers to complete manual card entry — the highest-friction checkout experience available to an iOS user. Every form field, OTP, and redirect is a point where a buyer leaves. Apple Pay removes all of them.
"For global expansion, converting those first-time buyers is critical. Apple Pay on Cashfree International Payment Gateway helped us convert more international customers at the moment where trust and intent intersected."
— Aayush Gupta, Chief Executive Officer
"Earlier, a meaningful share of high-intent bookings dropped off at checkout. With Apple Pay, that leakage has largely vanished, and the revenue lift is clearly tangible."
— Lijo Isac, Chief Business Officer
"Our customers invest deeply in their occasion wear. Apple Pay on Cashfree International Payment Gateway helped ensure the checkout experience matched the premium journey they expect."
— Karan Jaggi, Founder and CEO
| Metric | Impact | Benefit |
|---|---|---|
| Checkout Speed | 5× Faster | Fewer drop-offs, better experience |
| Revenue Uplift | ~40% Incremental | Lower cart abandonment, higher conversions |
| Success Rates | ~25% Higher | Fewer retries, fewer failures |
| Drop-off Reduction | Up to 75% | More completed purchases from global buyers |
| Authorization Rate | 90%+ | Industry-leading for wallet payments in US, UK, UAE |
Apple Pay boosts repeat purchase rates because customers do not need to re-enter payment details on return visits. Once a customer has paid via Apple Pay on your checkout, the experience is frictionless for every subsequent purchase — driving higher lifetime value from international buyers.
Cashfree's International Payment Gateway includes Dynamic Currency Conversion (DCC) on Apple Pay — a capability specifically built for Indian merchants selling to global customers.
How DCC on Apple Pay works:
Why DCC matters for Indian exporters: International customers have more confidence completing purchases when they see the final price in their own currency. DCC removes the uncertainty of exchange rate calculation at the bank level. For the merchant, there is no additional configuration required — Cashfree detects DCC eligibility automatically for international Visa and Mastercard transactions.
Apple Pay adoption is not uniform across markets. Here is where it has the most impact for Indian exporters:
United States: 60M+ Apple Pay users. iOS accounts for 55%+ of US web traffic. 90%+ of US merchants accept Apple Pay. This is the most high-impact market for any Indian D2C brand, edtech platform, or SaaS company selling to American customers.
United Kingdom: Apple Pay is the dominant mobile wallet in the UK, with 64% of mobile wallet users favouring it over Google Pay. Essential for Indian fashion, artisan, and travel brands selling to UK customers.
United Arab Emirates: Strong iOS adoption among the UAE's high-purchasing-power customer base. A key market for Indian jewellery, fashion, and luxury goods exporters.
Canada: 30%+ iOS penetration with strong Apple Pay adoption. High crossover market with US-focused Indian exporters.
Australia: 30-40% iOS web traffic share. Growing market for Indian edtech, software, and wellness brands.
Europe: 30-40% iOS penetration across major markets. SEPA-region buyers increasingly expect wallet checkout on high-end purchases.
Cashfree is already Apple Pay-certified, so hosted checkout merchants can enable Apple Pay immediately without needing an Apple Developer account, merchant ID registration, or SSL certificate configuration.
No additional SDK, no form submission, no new integration — Apple Pay activates within your existing Cashfree checkout setup. Go live in under 24 hours.
Direct API integration is supported via Cashfree's APIs and SDKs. This path requires:
Contact your Cashfree account manager or the support team to begin the S2S integration path. View Apple Pay API documentation →
Both Cashfree and Razorpay launched Apple Pay for international payments in September 2025. Razorpay announced on September 16, 2025; Cashfree on September 23, 2025. Both are among the first Indian payment companies to offer Apple Pay for cross-border transactions. The question for Indian merchants is which platform's implementation delivers better results and lower friction.
Cashfree: Hosted checkout merchants enable Apple Pay directly from Dashboard → Settings → Payment Methods → International Payments. No Apple Developer account, no form submission, no additional integration required. Go live in under 24 hours.
Razorpay: Merchants using Standard Checkout must submit a form and go through a separate activation process. Merchants on custom or S2S libraries require additional integration steps. This means a longer path to live for merchants without dedicated technical resources.
Cashfree: Offers DCC on Apple Pay, automatically offering eligible customers a choice to pay in their home currency or INR, improving checkout confidence and conversion for international buyers. No merchant configuration required — Cashfree detects eligibility automatically.
Razorpay: DCC on Apple Pay is not explicitly offered as part of their Apple Pay implementation based on publicly available information.
Cashfree: 2.99% standard or 2.99% standard for international card transactions. View pricing →
Razorpay: 3% + 18% GST for international cards — higher effective rate than Cashfree's published rates.
Cashfree: T+2 INR settlement for international card payments — the fastest available among RBI-licensed gateways. See international gateway →
Razorpay: T+7 INR settlement for international card payments as the default, per their official documentation.
Cashfree: India's first licensed PA-CB (E&I) — first non-bank entity to receive the full Export and Import cross-border payment aggregator licence from the RBI (July 2024). Explore cross-border solutions →
Razorpay: Received PA-CB licence in December 2025 — 17 months after Cashfree.
| Capability | Cashfree | Razorpay |
|---|---|---|
| Apple Pay launch date | September 23, 2025 | September 16, 2025 |
| Hosted checkout activation | Instant from dashboard | Form submission + activation |
| Apple Developer Account required | No (hosted checkout) | Yes (for standard checkout process) |
| Dynamic Currency Conversion (DCC) | Yes | Not explicitly offered |
| International card rate | 2.99% / 2.99% | 3% + GST |
| INR settlement speed | T+2 | T+7 |
| PA-CB (E&I) licence | Yes (Jul 2024, first in India) | Yes (Dec 2025) |
| No setup fee | Yes | Yes |
| Case studies published | 3 (Veda Oils, Iris Holidays, Safaa) | Yes (Mokobara, Akasa Air, Sabyasachi) |
| RBI PA License | Yes (No. 266/2025) | Yes |
Apple Pay on Cashfree International Payment Gateway is designed for:
Apple Pay on Cashfree is not a standalone bolt-on. It sits inside the same infrastructure that handles:
This means enabling Apple Pay does not change how your business operates. Merchants who already use Cashfree's International Payment Gateway activate Apple Pay from their dashboard and everything else — settlement cycles, FIRS documentation, reconciliation — remains identical.
Cashfree is already Apple Pay-certified. Hosted checkout merchants enable Apple Pay immediately from their dashboard — no Apple Developer account, no form, no new integration.
Enable from your dashboard without adding a new SDK. Apple Pay works within your existing checkout setup, including your existing RiskShield fraud detection and settlement infrastructure.
Tokenisation shifts liability to the issuer while Cashfree's fraud layer adds additional protection. Apple Pay transactions have significantly lower chargeback rates than standard card transactions because biometric authentication reduces card-not-present fraud.
Cashfree handles Apple certification and domain verification for hosted checkout merchants. This removes a meaningful technical barrier — typically requiring an Apple Developer Program membership, certificate generation, domain registration, and SSL configuration — for most Indian merchants.
Customers see prices in their home currency. Merchants receive INR. Cashfree handles the conversion automatically, with no additional configuration, overseas entity, or multi-currency account required.
International Apple Pay transactions settle in INR within T+2 days — the fastest standard settlement cycle available among RBI-licensed gateways in India. Compare to Razorpay's T+7 for international transactions. See full international payment gateway details →
Yes. Apple Pay works on iPhone, iPad, Apple Watch, and Mac with Touch ID or Face ID, on Safari and in supported apps. iOS already accounts for 55%+ of web traffic in the US and UK, and 30-40% in Australia and Europe, making Apple Pay highly relevant for Indian merchants targeting these markets. Customers on Android devices or non-supported browsers automatically see other available payment options — Cashfree's checkout detects device and browser compatibility automatically.
For hosted checkout merchants, Apple Pay is enabled in under 24 hours directly from the Cashfree dashboard with no additional integration. For server-to-server and custom integration, contact your Cashfree account manager. API documentation →
No, for hosted checkout merchants. Cashfree handles Apple certification and domain verification. For server-to-server or custom integration, an Apple Developer account is required along with a registered Merchant ID and Payment Processing Certificate.
Apple Pay on Cashfree International Payment Gateway supports 170+ countries with 140+ currencies for payment acceptance. Local currency display via Dynamic Currency Conversion is available for eligible international Visa and Mastercard transactions.
Tokenisation shifts liability to the issuer while Cashfree RiskShield adds additional fraud detection. Apple Pay transactions have near-zero fraud exposure because biometric authentication eliminates card-not-present fraud — the most common form of online payment fraud. Chargebacks and disputes are managed through the standard Cashfree dashboard with no change to existing workflows.
Yes. Apple Pay supports saved payment details for recurring purchases and subscriptions. For Indian merchants running subscription billing, Apple Pay stored credentials eliminate re-entry friction on renewal, improving retention rates. Pair with Cashfree Subscriptions for full recurring billing automation.
Apple Pay is offered as an additional payment method alongside existing card options. It applies specifically to eligible Apple device users at checkout. Customers on Android or non-Safari browsers see standard card payment options. Enabling Apple Pay is additive, not a replacement — it optimises the checkout for a specific high-value segment of international buyers.
Both Cashfree and Razorpay launched Apple Pay for international payments in September 2025 (Razorpay on September 16, Cashfree on September 23). Both handle biometric authentication and no-OTP checkout. Key Cashfree advantages: no Apple Developer account required for hosted checkout (Razorpay requires form submission and activation), Dynamic Currency Conversion built in (not explicitly available on Razorpay), 2.99% international rate (vs Razorpay's 3% + GST), and T+2 INR settlement (vs Razorpay's T+7). Cashfree also holds India's first PA-CB (E&I) licence (July 2024), 17 months before Razorpay received theirs. See full pricing →
DCC is a feature on Cashfree's International Payment Gateway that allows international customers to see the price in their home currency (USD, GBP, AED, EUR, etc.) before completing an Apple Pay payment. Cashfree detects the customer's home currency via IP-based geolocation and displays both the converted price and the original INR price. The customer selects their preferred currency, then completes the purchase with one Apple Pay biometric tap. The merchant receives INR settlement regardless of which currency the customer paid in. No merchant configuration is required — Cashfree detects DCC eligibility automatically.
Apple Pay transactions are processed via the international card rails (Visa or Mastercard) and are charged at the standard international card rate: 2.99% or 2.99% on the Cashfree Festive Offer for new merchants. There is no separate charge for enabling Apple Pay. Full pricing →
Yes. Apple Pay works on iPhone and iPad (Safari), Apple Watch (in-app), and Mac with Touch ID. For desktop, customers need a Mac with Touch ID or a nearby iPhone or Apple Watch to authenticate. Apple Pay is not available on non-Apple browsers (Chrome, Firefox, etc.) or Android devices — customers on those platforms see standard card payment options automatically.
No. Apple Pay on Cashfree is specifically available for merchants using the Cashfree International Payment Gateway. If you are not yet set up for international payments, you need to activate the international gateway first. Once activated, Apple Pay can be enabled immediately from your dashboard. Sign up for the international payment gateway →
No. Settlements, reconciliation, refunds, and chargebacks continue exactly as they do today on the Cashfree International Payment Gateway. Apple Pay is an additional payment option layered on top of your existing checkout. No changes are required to your finance operations, settlement accounts, or FIRS documentation process. The only visible change is the Apple Pay button appearing at checkout for eligible Apple device users.
All Apple Pay transactions through Cashfree are processed under Cashfree's PA-CB (E&I) licence (CoA No. 266/2025) — India's first full Export and Import cross-border payment aggregator licence from the RBI. FIRS (Foreign Inward Remittance Statements) are available on-demand from your Cashfree dashboard. For Global Collections transactions, e-FIRA is auto-generated within 24 hours. All cross-border transactions are FEMA-compliant. Explore cross-border payment solutions →
Cashfree Payments enables 1 million+ growing businesses in India and across the globe to collect payments, make payouts, manage international payments, and more. Founded in 2015, Cashfree processes $80 billion in transactions annually and handles up to 12,000 transactions per second. Cashfree is India's first licensed PA-CB (E&I) — the first non-bank entity to receive the full Export and Import cross-border payment aggregator licence from the RBI (July 2024). Backed by SBI, Y Combinator, and Apis Partners. Incubated by PayPal.
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