Google Sharing Google Pay Customer Transaction Data With Third Parties - TECHNOXMART

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Google To Delhi HC: Allowing For Disclosing Google Pay User Transaction Information With Third Parties After MPCI Permission
Google To Delhi HC: Allowing For Disclosing Google Pay User Transaction Information With Third Parties After MPCI Permission

In response to a PIL seeking action against Google Pay, Google submitted its affidavit for alleged infringement of RBI guidelines.

Google India Digital Services, which operates the Google Pay application, told the Delhi High Court that customers are allowed to exchange information with external entities with prior approval from NPCI and PSP banks.

The accommodation has been made by Google in its testimony recorded before a seat of Chief Justice D N Patel and Justice Prateek Jalan because of a PIL looking for activity against Google Pay for supposedly disregarding the RBI's rules identified with information localization, stockpiling, and sharing.


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The high court on Thursday recorded the issue for hearing on November 10 as the Center and Reserve Bank of India (RBI) have not documented their reactions yet.

Google, in its oath, has fought that under the Unified Payment Interface (UPI) procedural rules, given by the National Payments Corporation of India (NPCI), applications like Google Pay are allowed to share clients exchange information with outsiders and gathering organizations with earlier consent of NPCI and PSP banks.

It has likewise said that Google Pay just stores customary client information, similar to a name, address, email ID, and exchange related subtleties, as per the NPCI rules and not installment delicate information like charge card number or UPI PIN.

A client's installment delicate information is put away just on the workers of the PSP bank, it has guaranteed.

The testimony was recorded because of the appeal by advocate Abhishek Sharma who has looked for a course to Google not to share any information from UPI switch with some other gathering.



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Google has fought that it was agreeing to the NPCI procedural rules which administer the working of all outsider application suppliers (TPAPs) like Google Pay.

It has likewise guaranteed that the appeal was not viable as Sharma has accessible to him a few interchange cures like the client care including in the application or moving toward the NPCI as per the Payment and Settlement Systems Act of 2007 or requesting that RBI practice its administrative purview.

Google has additionally fought that there are different TPAPs like Google Pay, yet the request has been "specifically documented" against it.

Sharma, in his request, has likewise looked for a course to Google to give an endeavor to not store information on its application under UPI biological system and further not to impart it to any outsider, including its holding or parent organization.

The request has guaranteed that the organization was putting away close to home delicate information in contradiction of UPI procedural rules of October 2019, which permits such information to be put away just by PSP bank frameworks and not by any outsider application.


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Google has denied the case, saying clients' installment delicate information is put away with the PSP banks and Google Pay just gets to it as per the rules.

It has likewise denied the charge that it gets to clients' area to pick up income from offering profoundly focused on or customized publicizing chances to sponsors.

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