Lawstreet Journal

GPay Allowed to Share Customer Transaction Information With Third Parties After NPCI’s Permission

Lawstreet Journal 27 Sep 2020 10:51pm

Image courtesy: Lawstreet Journal Business GPay Allowed to Share Customer Transaction Information With Third Parties After NPCI’s Permission

The GPay app which is operated by Google India Digital Services Pvt Ltd has informed the High Court of Delhi that customers’ transaction data can be shared with third parties after taking the prior permission of NPCI and payment service providing (PSP) banks. An affidavit has been filed by Google before a bench of Chief Justice D N Patel and Justice Prateek Jalan. The affidavit is in response to a PIL that demanded action against 'Google Pay' (GPay) for allegedly violating the RBI's guidelines related to data localization, storage, and sharing.

The hearing took place at the High Court on Thursday for the 10th of November as the Centre and Reserve Bank of India (RBI) had not filed their responses until then. The affidavit by Google contended that as per Unified Payment Interface (UPI) procedural guidelines, issued by the National Payments Corporation of India (NPCI), apps like Gray have been granted the permission to share customers’ transaction data with third parties and group companies if prior permission of NPCI and PSP banks is duly taken.

The data GPay stores is ordinary data like name, address, email ID, and transaction-related details which are in accordance with the NPCI guidelines and it does not store payment sensitive data like debit card number or UPI PIN. It has come to light that customer's payment sensitive data is stored only on the servers of the PSP bank.

A petition was filed by advocate Abhishek Sharma who asked Google to not share any data from UPI switch with… Continue Reading...


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