Payon Technologies Private Limited is on a mission to build a digital ecosystem of financial services that is accessible to every Indian. We bring secure and smart financial solutions closer to you.
25,000+
Active Retailers
1M+
Transactions Processed
99%
Pincode Coverage
24x7
Support Availability*
A single platform to manage your day-to-day digital financial needs — from small recharges to high-value domestic money transfers.
Instant prepaid & postpaid recharges for all major operators with real-time status updates.
Secure wallet and UPI payments with BBPS powered electricity, water, gas and more.
AEPS, domestic money transfer, and other assisted banking services for rural & urban customers.
Built for scale, reliability and ease of use — whether you are a small retailer, a super distributor or a growing startup.
⚡
Transactions typically complete within seconds with live status.
🛡️
Encrypted APIs, strict access controls and audit-ready logs.
📊
Clear ledgers, downloadable reports and real-time dashboards.
🤝
Dedicated support for retailers, distributors and enterprises.
Trusted by businesses across India*
Enjoy quick mobile, DTH, and data card recharges within seconds.
Electricity, water, and gas — pay all bills safely in one click.
Send money instantly to any bank account with Payon Technologies Private Limited.
Getting started is simple. Within a few steps, you can start offering digital financial services to your customers.
Create your account, complete basic KYC and get access to the partner dashboard.
Load your wallet, configure your margins/commissions and ready your services.
Process recharges, bill payments, AEPS and money transfers from a single dashboard.
Offer recharge, bill pay and AEPS withdrawal to walk-in customers from a single terminal.
Enable basic banking and cash-out facility in rural areas with AEPS and DMT.
Integrate our APIs into your app to launch recharge & utility services quickly.
From day one, Payon Technologies Private Limited has been built together with retailers, distributors and developers. Here’s a simplified timeline of how a typical partner grows on the platform.
Step 1
Start with basic recharge & bill payment services, understand the dashboard and get used to instant confirmation and reporting.
Step 2
Expand services to include assisted banking and domestic money transfers, especially for customers without easy bank access.
Step 3
Onboard more retailers under you, manage limits & commissions and review performance with real-time reports.
Step 4
Move to white-label / API-based deployments, build your own app or portal, and use Payon Technologies Private Limited purely as infrastructure.
These dummy metrics show how a typical high-volume setup could look like. Use them as a reference for the kind of throughput Payon Technologies Private Limited is designed to handle.
Peak TPS
0
Transactions / second*
Daily Volume
0
Txn / day*
Avg. Success
0
% success rate*
Active Sessions
0
Concurrent users*
Payon Technologies Private Limited is designed to support agents on the ground — from small mobile shops to large multi-outlet chains.
Integrate recharge, bill payment and other services directly into your own app or portal using our secure and documented APIs.
// Dummy API sample (for display only)
POST /api/v1/recharge
Host: api.yourdomain.com
Authorization: Bearer YOUR_API_TOKEN
{
"mobile": "9876543210",
"operator": "JIO",
"amount": 199,
"reference_id": "TXN123456"
}
Start small and scale as you grow. Margins/commissions shown below are for illustration only.
Retailer
₹0 / month
Distributor
Custom
Enterprise / API
On Request
*All commissions and incentives are subject to operator, bank and regulatory guidelines. Final slabs will be shared at onboarding.
Our platform is designed with security as a first-class priority. Every change goes through review, testing and monitoring.
Platform Controls
Data Protection
Real feedback from retailers and distributors who use Payon Technologies Private Limited every day.
“Recharge and bill pay is now almost instant. Ledger is very clear, and settlement is on time.”
Demo Retailer
Mobile Shop, Tier-2 City
“Managing multiple retailers from one dashboard saves us a lot of time. Commission setup is easy.”
Sample Distributor
State-level Distributor
“API integration was straightforward. Our devs had basic recharge live within a few days.”
Fintech Startup
Product Team
*Testimonials shown above are dummy content for illustration.
UPI-based wallet loading (beta)
Now add balance faster using supported UPI handles.
Enhanced ledger filters
Filter by service, date range, status and more.
API key rotation tools
Rotate your API keys without downtime.
Manage your business, track transactions and serve customers from your mobile. Anytime, anywhere.
App Preview (dummy)
Launch in days, not months
Use our demo environment, dummy credentials and sample data to validate flows with your internal team before going live.
Payon Technologies Private Limited is flexible enough to support different kinds of setups — from single outlet stores to large multi-location networks.
Retail
Mobile & DTH Shops
Quick recharges, bill pay and UPI collections.
Utility
Kirana & Utility Stores
Accept payments and act as local bill collection point.
Banking
BC / CSP Outlets
AEPS cash-in, cash-out and other assisted banking services.
Digital
Apps & Portals
Fintechs embedding recharge, DMT & utilities via API.
To reduce operational risk and improve reliability, Payon Technologies Private Limited follows a set of internal safeguards and checks.
Examples of Internal Controls*
Limit Rules
Per-transaction, per-day and per-agent limits can be configured by admins.
Risk Alerts
Sudden spike in a specific route or agent can trigger internal alerts.
Dual Approval
Large adjustments or manual reversals can be routed through dual approval.
Audit Trails
Important actions are logged with time, user and reference details.
High-level view of which service is typically used for what type of requirement. Actual service coverage and combinations may vary.
| Use Case | Recommended Service | Typical Ticket Size* | Mode |
|---|---|---|---|
| Mobile top-up / data pack | Recharge | ₹10 – ₹699 | Online / assisted |
| Monthly electricity bill | BBPS Bill Pay | ₹300 – ₹5,000 | Online / assisted |
| Cash withdrawal in village | AEPS | ₹100 – ₹10,000 | Biometric at agent |
| Salary or family remittance | Domestic Money Transfer | ₹1,000 – ₹50,000 | Online / assisted |
*Ticket sizes listed above are indicative and for dummy illustration only.
We understand that tools only work when teams know how to use them. That’s why Payon Technologies Private Limited can be accompanied by simple training material and enablement guidelines.
Sample Onboarding Flow*
A clear escalation path ensures that critical issues are routed to the right team quickly. The structure below is a generic reference.
Level 1
Retailer / Helpdesk
First point of contact for basic transaction queries, printouts and clarification.
Level 2
Distributor / Support Desk
Handles escalated cases, log checks, adjustments as per documented policies.
Level 3
Operations / Nodal Team
Works directly with bank / operator / network partners for complex / exception cases.
*Actual escalation contacts, SLAs and processes depend on your specific agreement and deployment.
Digital financial services are subject to multiple regulations. Payon Technologies Private Limited is designed keeping typical regulatory expectations in mind.
Related Policy Pages
Always ensure your final live setup and documentation are reviewed from a compliance / legal standpoint.
Apart from core transactions, Payon Technologies Private Limited can include productivity tools that help you operate and reconcile faster.
Ledger Views
Filter by service, date, user, status and export to spreadsheets.
Statement Download
Pull transaction or settlement statements for custom ranges.
Dispute Tracking
Track disputes, comments and status in a structured way.
Notification Center
View important system messages, advisory notes and scheduled downtimes.
Larger partners may explore branding and theming options so that the experience looks and feels consistent with their own brand.
Example (Illustrative)
Retailers and staff would log into your branded panel or app while Payon Technologies Private Limited powers the underlying transaction rails and reconciliation.
*Subject to feasibility, commercial terms and necessary approvals.
A typical mid-size deployment can be rolled out in a phased manner. The timeline below is only to help you visualize the stages.
Week 1
Requirement & Sandbox
Finalize flows, enable sandbox and share keys / docs.
Week 2–3
Integration & UAT
Integrate APIs / panel, run UAT cases and sign-off.
Week 4
Pilot Rollout
Limited launch with select outlets, close monitoring.
Week 5+
Scale Up
Gradual rollout across network, monthly review.
*Actual timelines depend on integration complexity, readiness and approvals.
In a production environment, your dashboard can host key reference documents for partners and staff.
Retailer Onboarding Guide (PDF)
Step-by-step reference for new outlets and front-line staff.
Standard Operating Procedures
Illustrative SOP templates for transactions and escalations.
Brand & Logo Usage
Guidelines for using logos, colors and branding elements.
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Share your details with our team and we’ll help you design the right setup for your business.