A petition was filed by financial economist Abhijit Mishra with the help of advocate Payal Bahl claiming that the GPay app of Google has no authorization from the central bank of the country which is a violation of Payments and Settlements Act for a payments system provider. The PIL mentioned that GPay was performing financial transaction without the requisite authorisation from RBI.

Google submitted an additional affidavit before the Delhi High Court division bench comprising of Chief Justice D N Patel and Justice Prateek Jalan mentioning that Google India Digital Services Pvt Ltd has no access to the Aadhaar database and doesn’t need any such information for the functioning of the Google Pay (GPay) mobile app. This submission is for an ongoing PIL on National Payment Corporation of India (NPCI) permitting GPay for the access of BHIM Aadhaar portal without knowledge of the Unique Identification Authority of India (UIDAI). Google in its affidavit clearly stated that GPay is entirely a different app which doesn’t have any connection to BHIM ADHAAR and also any users of the GPay doesn’t require verifying Adhaar while using this.

RBI also in its affidavit mentioned that GPay is a third-party app provider (TPAP) thus it doesn’t operate on any payment system. So, their working is not against the Payment and Settlement System Act, 2007. Further RBI stated, as because GPay is not a payment system operator (PSO) it does not need any authorisation from RBI to function.

The Delhi High Court Bench listed the matter for the further hearing of this case on 22nd of October, 2020.


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