G Pay: The Good, Bad and Ugly…

27 Jul,2022



By Sanjeev Kotnala


Sanjeev KotnalaEveryone has an option for digital payments. BharatPe, BHIM, UPI, PAYTM, GPay and many more mobile wallets. However, one of them becomes the default option. For me, it is Google Pay. GPay, in short. And, it may be true for others, but here I will speak of GPay and my love-hate relationship with it.


The Good

Okay, honestly, I have no major crib about GPay as the app works fine.

It allows me the liberty to scan any QR code and payment, and it works seamlessly.

GPay perfectly documents every transaction and ensures sharing them is smooth.

Rarely is there a problem with server busy or faulted payments.

I am a GPay fan and need no further motivation. Everything is just fine.

I am building homes at Indi-homes – collecting energies to complete the levels- not really interested in the first 2 Lakh home builders to earn anywhere between INR 11 to INR 111.

However, many friends and family members voiced these concerns about GPay; After sharing the Good part, I amplify their reactions below.


The Bad

However, I am irritated and frustrated with GPay.

I suppose they have the best of the listening and tracking ways of how I live and what I do. At least they have the financial transactions and intelligent algorithm other brands use.

Then, why does GPay in rewards keep me giving free membership and trial opportunities across brands? Okay! The trial is free for new users and subscribers. And Google would /should/could know I am a member of these services.

It keeps changing its picture capture games, from Diwali Cards to IPL to others. And I never get all the cards. GPay algorithms that deal me the cards ensure I get many cards but never the complete deck, which will allow me to go for the jackpot. G-pay then wants me to trade cards with my friends to complete the deck. Does GPay think I work for it or have time and energy for referring or inviting friends on the platform?

Most optimistic brands: GPay knows I am not interested, and I have not reacted for the last 20 times they have sent the free three-month membership. Optimistic GPay believes the 21st time I will change. So, with punctual clinical consistency, it regularly serves these reminder awards. And it then follows up with a notification that the useless, irrelevant, irritatingly frustrating awards option may expire.

GPay asks me to refer new possible customers. It also goads me to pay INR 1 to people in my contact list on joining the G-pay Brand Wagon. GPay knows I have never done that, and GPay knows none of my friends has ever given me the INTR 1 welcome gift. It knows it is futile to ask me again and again. But, the brand is optimistic that I will change first than its so-called personalised approach based on incredible self-learning algorithms?


The Ugly

I know I am not the luckiest guy on earth. But my luck is not so bad that I keep getting served ‘Better luck next time’ cards by GPay. Adding insult to injury, I must scratch the cards to uncover the message at every milestone. Every milestone promises a cashback up to INR 1000, and I thought Upto meant at least INR 1 to start with. However, the only thing it does is to ruin my day by telling me ‘Better Luck Next Time’. Or: Your Bad Luck is Kharraab!

In some 427 transactions of more than 3 lakh, I have won 233 cashback and some 50 ‘Better Luck Next Time’ cards. Don’t give me cash back- but don’t make me scratch a coupon to read this silly luck line.



I have become so comfortable with GPay that it’s the default option. However, from time to time, GPay sends me those messages and notifications, including ‘Better Luck Next Time”. Frankly, I am not interested, and it only ends up spoiling my whole consumer experience.

So, time for the platform to use its tech muscles to differentiate between consumers waiting, willing and wanting the freebee and who wants the app for its primary function- just to pay- nothing else.


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