Google Pay plans to work with 12 million community stores in India to expand its presence in the payment market

According to the latest report from the reserve bank of India (RBI), retail e-payment transactions in India have grown by more than 50% over the past four years.

The rapid growth of retail e-commerce sales in India between 2018 and 2019 is mainly due to the rapid development of UPI, a digital payment technology with a unified payment interface.

At present, Google Pay has more than 3,000 online merchants in India, including food delivery platform Zomato, online ticket service platform BookMyShow, food delivery platform Swiggy, and India’s largest online ticket platform RedBus.

Meanwhile, Google Pay covers more than 200,000 offline Stores in 3,500 cities and towns, including supermarket chains such as Reliance Stores and Vishal Mega Mart, as well as star brands.

Google Pay’s deal in India reached $95 billion in the year to May.

Google has consolidated its position in India through small and medium-sized enterprises (SMBs) and offers a number of new and upgraded products such as Google My Business (GMB), Digital Unlocked (Digital Unlock) and Market Finder (Global Opportunity Insights). Connect digitally to more than 1 million businesses.

To maintain a leading and dominant position in the Indian market, Google has also launched a series of services to better meet the needs of users in India and other emerging markets. Apps like YouTube Go and Android Go that consume less data. Google also set up free wi-fi connections for 400 train Stations in India, a program called Google Stations that has since expanded to several other markets.

Google payment service Google Pay has also launched an in-app game that allows users to get cash back by participating in activities such as “scratch CARDS” to increase their usage of Google payment service.

With P2P and bill payments, Google Pay has become one of the top three payment apps based on UPI, and Google’s offline strategy aims to create an ecosystem of payment solutions for Indian consumers.

The Indian market is crucial for Google, the tech giant that has been working to connect its next billion users to the Internet. Google’s goal is to use its payment business to capture most of its consumer-retail interfaces.

Google Pay, the Google payment service, had 55 million monthly active users in India as of may.

According to Ambarish Kenghe, director of product management at Google Pay in India, more and more people are using Google Pay to take advantage of small and medium enterprises (SMB) and the nearby kirana store to provide a convenient and secure digital payment experience for merchants and consumers.



On August 28th a Google executive said Google Pay planned to work with a variety of community stores in India, which are spread across cities, large and small, with more than 12million stores. As a result, Google Pay plans to expand its market share and write new Indian growth stories.

India Google Pay product management director Ambarish Kenghe Asian news agency in India (IANS) said in an interview: “digital currency will gradually replace cash and Pay Unified Interface (Unified Payments Interface, hereinafter referred to as UPI) can support make payment for consumers in the nearest neighborhood store, in leading the peer-to-peer (P2P) digital market, Google Pay is aiming at” individual businesses “P2M payment market.”



Nearly 90% of India’s retail market is now unorganised. This market, if digitized in the next few years, will open up new growth opportunities for digital payment companies.

Digital payment and e-wallet companies will face a tougher challenge as the number of smartphone users in India rises to more than 450 million.

In India, Google Pay is expanding its presence in small towns, where two-thirds of its business comes from smaller cities.



Google Pay uses an anti-fraud identification model based on machine learning (ML), which also issues explicit “fraud” or “stranger” warnings if a user receives a payment request from a suspicious person or stranger. To make digital payments more secure, Google Pay now sends app notifications and text messages (SMSes) to users whenever they encounter a payment, reminding them that Google Pay will deduct money from their bank accounts if they agree to Pay.

WhatsApp also plans to roll out its WhatsApp Pay payment service to all Indian users by the end of the year. By then, competition in India’s digital payments market will be even more intense.