PaymentsJournal
No Result
View All Result
SIGN UP
  • Commercial
  • Credit
  • Debit
  • Digital Assets & Crypto
  • Digital Banking
  • Emerging Payments
  • Fraud & Security
  • Merchant
  • Prepaid
PaymentsJournal
  • Commercial
  • Credit
  • Debit
  • Digital Assets & Crypto
  • Digital Banking
  • Emerging Payments
  • Fraud & Security
  • Merchant
  • Prepaid
No Result
View All Result
PaymentsJournal
No Result
View All Result

CCI Report Shows Discriminatory Business Practices by Google

By Jordan Hirschfield
April 4, 2022
in Analysts Coverage, Compliance and Regulation, Digital Assets & Crypto
0
0
SHARES
0
VIEWS
Share on LinkedIn
CCI Report Shows Discriminatory Business Practices by Google

CCI Report Shows Discriminatory Business Practices by Google

Billing options, or the ways in which a business chooses to bill its customers, can often be a source of competitive discrimination. Businesses may offer different billing options to different groups of customers, based on factors such as creditworthiness or contract length. This can lead to different customers paying different prices for the same product or service. billing options can also be used to discourage competition. For example, a business might only offer billing options that are unfavorable to potential new competitors. This can make it more difficult for new businesses to enter the market and compete with established firms. Thus, billing options can have a significant impact on competition and can be used as a tool to discriminate against certain types of businesses. Where does Google fit in?

A long investigation of Google business practices surrounding billing options for app developers in India has resulted in findings that Google presented anti-competitive discrimination. Business Standard reports on the news today:

The findings come after a months-long investigation triggered by protests from developers, who’ve complained the US internet giant charges an unfairly high fee in return for using Android app stores and its proprietary payments service.

Alphabet Inc., Google’s parent, and Apple Inc. have come under pressure from regulators around the world who accuse the twin mobile giants of forcing developers to use their payment systems, then taking an outsized cut of revenue. In South Korea, Google was forced to provide an alternative billing system after regulatory action. In that market, Google said it was reducing app makers’ fees by 4%.

The report from the Competition Committee of India specifically calls out Google Pay’s stifling of options by restricting access to the Indian UPI system.

“Google is imposing unfair and discriminatory conditions in violation of regulations,” the Indian agency said in its preliminary report dated March 14. Google’s conduct is also resulting in denial of market access to competing UPI apps since the market for UPI enabled digital payment apps is multi-sided, and the network effects will lead to a situation where Google Pay’s competitors will be completely excluded from the market in the long run,” it said, referring to the Unified Payments Interface or state-backed payments infrastructure.

In response, Google announced changes last month to allow some apps to provide direct billing and says it will continue to work with Indian regulators to provider service in the market without restricting competition.

Overview by Jordan Hirschfield, Director of Research at Mercator Advisory Group

0
SHARES
0
VIEWS
Share on LinkedIn
Tags: BillingCompliance and RegulationFeesGoogleIndiaMobile AppRegulationRegulations

    Get the Latest News and Insights Delivered Daily

    Subscribe to the PaymentsJournal Newsletter for exclusive insight and data from Javelin Strategy & Research analysts and industry professionals.

    Must Reads

    instant payments for financial institutions

    Why Haven’t More Financial Institutions Adopted Instant Payments?

    September 9, 2026
    complex debit

    Regulation, Economics, and Technology: The Complex World of Debit

    September 8, 2026
    agentic commerce

    Biometrics Are Here. Agentic Payments Aren’t—Yet.

    September 4, 2026
    swift cross-border

    P2P Payments Have Changed How Consumers Move Money. What’s Next?

    September 3, 2026
    holiday prepaid

    The Holiday Gift Card Outlook: Why Repeat Buyers Matter Most

    September 2, 2026
    co-branded debit cards

    A New Generation of Consumers Is Changing the Role of Debit Cards

    September 1, 2026
    BNPL for credit unions

    How BNPL Is Helping Credit Unions Strengthen Member Relationships

    August 31, 2026
    cross-border tokenized deposits

    Project Agorá Is Showing Banks Why Tokenized Deposits Matter

    August 28, 2026

    Linkedin-in X-twitter
    • Commercial
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Digital Banking
    • Commercial
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Digital Banking
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    • About Us
    • Advertise With Us
    • Sign Up for Our Newsletter
    • About Us
    • Advertise With Us
    • Sign Up for Our Newsletter

    ©2026 PaymentsJournal.com |  Terms of Use | Privacy Policy

    • Commercial Payments
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    No Result
    View All Result