“Google India Digital Services Pvt Ltd has told the Delhi High Court that its Google Pay app does not require RBI authorisation as it is not a payment system operator (PSO) but a third party application provider. Google, in an affidavit, has said the PSO authorised by the Reserve Bank of India ( RBI ) is the National Payment Corporation of India ( NPCI ) which is the owner and operator of the entire unified payment interface ( UPI ) network.”