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.
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.
