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    Apple Pay has gone live in India after 12 years, launching with Axis Bank-issued Visa and Mastercard cards. The service lets iPhone users make contactless card payments without PINs or OTPs, using NFC technology. Reports say more bank partnerships could follow, and Apple is positioning the service to compete with Google Pay and Paytm in India's crowded digital payments market. Questions remain over UPI integration and which cards will be supported.