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.source https://economictimes.indiatimes.com/industry/banking/finance/gpay-does-not-need-rbi-authorisation-as-not-a-payment-system-operator-google-to-hc/articleshow/77108311.cms
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