Mumbai among the highest digital payment transactions cities in 2022: Worldline

Mumbai, 17 April 2023 – Worldline, a global leader in payment services, has released an analysis of the transactions processed by them in the CY22 (January– December 2022) today and has derived some unique insights.

Mumbai is in the top 5 cities spot for the highest digital transactions for Worldline India. In terms of volume, Mumbai is at 18.7 million and value of INR 49.5 billion of transactions. Bengaluru has topped the list in terms of volume as well as the value of transactions followed by New Delhi. Pune and Chennai are the other cities who are in the top 5 list with highest digital transactions.

Speaking more on the occasion, Mr. Ramesh Narasimhan, CEO, Worldline India said,

“I am amazed every day to see the incredible progress we have made in the digital payments ecosystem over the past few years. The adoption of multiple payment solutions is a boon in our journey to realize the dream of a less-cash India.

2022 witnessed an ever increasing adoption of digital payments, with UPI leading the way. Popular payment instruments like UPI, cards, PPIs were already clocking over INR 149.5 trillion worth of digital transactions in 2022. In 2023 and beyond, Worldline will continue to collaborate with our merchants, partner banks, fintechs, ecommerce players and invest in the technology and infrastructure needed to build a more inclusive and open financial ecosystem. I am glad to share our analysis of the transactions we processed for the top 5 cities in India with highest digital transactions.”

Cities with highest transaction volume Total Volume Mn Total Value Bn
Bengaluru 29 65
New Delhi 19.6 50
Mumbai 18.7 49.5
Pune 15 32.8
Chennai 14.3 35.5

In 2022, frequently visited physical merchant categories like grocery stores, restaurants, clothing and apparel, pharmacy and medical, hotels, jewellery retail, specialty retail, household appliances and departmental stores together accounted for over 43% in terms of volume and about 40% in terms value.

In the online space, e-commerce (shopping for goods and services), gaming, utility and financial services contributed to over 85% transaction in terms of volume and 25% in terms of value. Education, Travel & Hospitality sector contributes to the remaining 15% and 75% in terms of volume and value respectively.

Sector Volume (Mn) Volume (%)
Restaurants 1.9 10.1
Grocery and Supermarkets 1.5 8.1
Apparel and accessories Hotels 1.4 7.5
Bars, lounges, nightclubs 0.8 4.4
Hospitals 0.7 3.8

To download the Annual India Digital Payments Report –


Worldline [Euronext: WLN] helps businesses of all shapes and sizes to accelerate their growth journey – quickly, simply, and securely. With advanced payments technology, local expertise and solutions customised for hundreds of markets and industries, Worldline powers the growth of over one million businesses around the world. Worldline generated a 4.4 billion euros revenue in 2022.


Prithish Chakraborty
T: +91 95383 45577