The policy at https://play.google.com/about/monetization-ads/ tells me 3rd party payment gateways are okay if:

(A) Payment is solely for physical products, or

(B) Payment is for digital content that may be consumed outside of the app itself (e.g. songs that can be played on other music players).

On my app users need to pay to filter profiles like in a matrimony app. So the product is a profile filter.

Can I use a 3rd party payment gateway? Yes or no?

If your answer is no, why does Google let matrimony apps (https://play.google.com/store/apps/details?id=com.bharatmatrimony, https://play.google.com/store/apps/details?id=com.shaadi.android) use 3rd party payment gateways? Their use case is the same as mine. Is it because they also have a web version and people can use the web version also (amounting to content consumed outside the app)?

If your answer is that I can use a 3rd party payment gateway, why exactly?

Please help!