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Aren't PayTM and PhonePe bigger?

Those are insignificant in comparison to Google Pay (or Tez as it used to be called).

Paytm and phone pe are not insignificant.

> PhonePe (49.25%), Google Pay (34.6%), Paytm (10.65%) and CRED (1.8%) together processed 636 Cr UPI transactions worth INR 10.32 Lakh Cr

https://inc42.com/buzz/top-four-upi-apps-held-96-market-in-a...

From anecdata it seems that GPay is ubiquitous. The distribution may vary wildly regionally though.

That is simply incorrect.

This is not true at all, India has a relatively healthy triopoly of payment providers, GPay is definitely not at the top. As someone from New Delhi, very few people around me use GPay, and instead use PayTM.

And the difference is moot since all of these services use UPI anyway, so it's not like Google Pay being a monopoly would drastically change how much data the government can see.

Google Pay was not installed in my android phone. Bought in August 2022.