Facebook announced support for chatbot payments a few weeks ago. But depending on the market, up to 99 per cent of people will be unable to use the feature. How come? Outside of US and Western Europe, card-based payments are not widely available. Credit card penetration in India stands at two per cent, Brazil at 32 per cent and Indonesia at 2 per cent. These are core markets for Facebook and others like Apple, Spotify and Netflix. Global Internet growth has slowed down but is accelerating in India.