30/09/2026
India may soon get another way to pay. But the more interesting question isn't Apple Pay vs UPI.
Reuters reported on September 18 that Apple is set to launch Apple Pay in India in October, initially with Axis Bank credit cards. The report said Apple was also in discussions with other major banks.
But India is entering this conversation with an already deeply established payment habit.
According to Reuters, UPI represents 84% of India's digital transaction volume by volume.
So the bigger product question is not:
“Which payment method wins?”
It is:
“How does a new payment experience fit into behavior people already understand?”
Great payment experiences often build on familiar habits.
Scan. Tap. Confirm.
The technology underneath can become more sophisticated without making the experience on top more complicated.
And that matters for crypto too.
A crypto payment does not necessarily need to introduce an entirely new payment experience for the recipient. CryptoSe's current product positioning is built around a non-custodial crypto-to-INR payment flow, where users scan a UPI QR, confirm from their wallet, and the merchant receives INR through the settlement layer.
That creates an interesting infrastructure model:
User-controlled crypto → Payment & settlement layer → Familiar INR payment experience
The user sees a simple payment flow.
The infrastructure underneath can be much more complex.
And perhaps that is where the future of payment UX gets interesting:
New infrastructure. Familiar experience.
What makes a new payment method easier to adopt: better technology, or a familiar experience?
TAGS: CryptoSe, Payment UX, Payment Infrastructure, Crypto Payments, Fintech