4 ms·

This is interesting. India the primary way for in app purchase is via the provider. Credit card penetration is low.

by rokhayakebe 12y ago

praneshp 12y ago
Can you clarify what "provider" means? Is it Flipkart or the network (Airtel, etc)?
- brianbreslin 12y ago
  He means mobile service provider (airtel, vodafone, at&t, etc)
  - praneshp 12y ago
    Thanks!
  - godzilla82 12y ago
    Oh, I thought he meant the App or the Play store.. Isnt that how in app purchases work?
    - brianbreslin 12y ago
      In some countries there are agreements for carrier billing instead of credit cards and it deducts from a users' prepaid balances.
captn3m0 12y ago
Even in cases where you have a Credit Card, there are many hoops to fly through before you can make an in-app purchase: - It must be an international credit card - It must never have 3d-secure enabled International Credit Cards are costlier, and it just takes one payment on an Indian gateway to enable 3dsecure accidentally. And then, you can't use your card again on any international purchase because no international gateway supports 3dsecure.
- avinashv 12y ago
  Are you trying to say that Indian credit cards that are 3D-secure enabled don't work for IAP? This is absolutely untrue. I have both AMEX and Visa cards issued in India, and simultaneously use them for domestic and international online purchases, IAPs, and in-store. Never had a problem. Frankly, I've never heard this.
  - captn3m0 12y ago
    So, if you make a purchase on an Indian website, you get 3dsecure, but you don't get one on an International purchase? It used to work fine for me till a while back, but the newer RBI guidelines have specifically mentioned 2 factor auth against international transactions[0]. Since its just a guideline, it is not enforced as such equally by all banks. [0]: http://www.medianama.com/2013/03/223-rbi-credit-card-money-transfer-guidelines/ http://www.medianama.com/2013/03/223-rbi-credit-card-money-t...

This is interesting. India the primary way for in app purchase is via the provider. Credit card penetration is low.

praneshp 12y ago

Can you clarify what "provider" means? Is it Flipkart or the network (Airtel, etc)?

brianbreslin 12y ago
He means mobile service provider (airtel, vodafone, at&t, etc)
- praneshp 12y ago
  Thanks!
- godzilla82 12y ago
  Oh, I thought he meant the App or the Play store.. Isnt that how in app purchases work?
  - brianbreslin 12y ago
    In some countries there are agreements for carrier billing instead of credit cards and it deducts from a users' prepaid balances.

captn3m0 12y ago

Even in cases where you have a Credit Card, there are many hoops to fly through before you can make an in-app purchase: - It must be an international credit card - It must never have 3d-secure enabled International Credit Cards are costlier, and it just takes one payment on an Indian gateway to enable 3dsecure accidentally. And then, you can't use your card again on any international purchase because no international gateway supports 3dsecure.

avinashv 12y ago
Are you trying to say that Indian credit cards that are 3D-secure enabled don't work for IAP? This is absolutely untrue. I have both AMEX and Visa cards issued in India, and simultaneously use them for domestic and international online purchases, IAPs, and in-store. Never had a problem. Frankly, I've never heard this.
- captn3m0 12y ago
  So, if you make a purchase on an Indian website, you get 3dsecure, but you don't get one on an International purchase? It used to work fine for me till a while back, but the newer RBI guidelines have specifically mentioned 2 factor auth against international transactions[0]. Since its just a guideline, it is not enforced as such equally by all banks. [0]: http://www.medianama.com/2013/03/223-rbi-credit-card-money-transfer-guidelines/ http://www.medianama.com/2013/03/223-rbi-credit-card-money-t...