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Digital Financial Solutions

Why PAYtonic?

It works in an existing setup

No special setup or device is required to receive money. Anyone can access it seamlessly after completing digital KYC.

Protected transaction

It is an account to account (A to A) and card to account(C to A) payment solution that is bank neutral and facilitates payments to & from any bank within India.

Smooth processing

The sender does not need to know the receiver’s bank account details. User/customer can initiate a payment through the PAYtonic app or Payment link using Debit card, Net Banking, Credit card, Mobile wallets & UPI to the receiver/vendor mobile number.

Video Gallery


Amazing features in PAYtonic

Only mobile number needed

Pay & receive money using just the mobile number

Accept all electronic payments

Pay using net banking, credit card, debit card, mobile wallets and UPI

Business owners rejoice

No POS machine or complicated acceptance infrastructure required

Works on feature phones

Payments auto credited directly into your bank account


Yes, you can send money to any mobile number in India.

Ask your friend to download the app and pay your mobile number. Your friend can use net banking, credit card, debit card or mobile wallets to pay you. You can then use the app to credit money into your bank account or set it up for auto credit!

PAYtonic lets you accept all modes of electronic payments without any infrastructure or hassles. With PAYtonic, you need not maintain POS devices; pay any fees or recurring charges. A customer will use your mobile number as your unique identifier to credit money directly to your bank account through credit card, debit card, net banking or mobile wallets.

PAYtonic is designed keeping your and the shopkeeper’s interests in mind. Don’t worry, once on-boarded, the shopkeeper will directly receive money in his bank account without having a smartphone.

PAYtonic is not a wallet. It is an intelligent enabler that eases your pain of interacting with multiple payment providers. There is no money to be loaded into PAYtonic. The money is directly transferred bank to bank.

No. PAYtonic is free to use.

Client Testimonials

Sangeeta Marathe

Sangeeta Marathe Fusion Desi Chullha Restaurant: PAYtonic overcomes the cash handling problem

Shamim Akhtar

Shamim Akhtar First Flight Couriers Ltd., says PAYtonic is a secured way to transfer money!

Core Team

Frictionfree Payment Solutions Private Limited


Amit Badiyani

Executive Director

Technology veteran with 25 years experience across Software development & FinTech.


Manish Sawankar

Chief Operating Officer

Highly competent and motivated operations expert.


Kaustubha Acharya

Vice President - Business Development

Highly motivated & self-driven Leader with good experience in client relation.


Kalyani Bute

Digital Marketing Executive

Highly Skilled Digital Marketing Executive with vast experience in IT & Service Industry.

Our Partners




Contact Us

For more information and support, contact us!



Registered Address
Frictionfree Payment Solutions Private Limited

Floor 4, Plot-231,Commissariat Building, DadabhaiNawroji Road, Handloom House, Fort, Mumbai 400001

Corporate Office
1, Shanti Plaza, Harihar Nagar, Besa, Nagpur 440027