# Payonix — Digital Bank, QR Pay, Transfer

> Digital bank for contactless payments, transfers, budgeting, and rewards. (iPhone/iPad app by BAKU PAY, MMC.)

- Source: https://appshunter.io/ios/app/payonix/id1518804559 (this page in markdown: same URL + `.md`)
- Developer: [BAKU PAY, MMC](https://appshunter.io/developer/1518804558)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 5.00/5 from 6 App Store ratings · 5 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 72 MB
- Languages: American English, Azerbaijani, Russian
- Released: 2020-10-20
- Data updated: 2026-06-10
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/payonix/id1518804559/reviews.md

## What is Payonix?

Now, everything related to your finances is at the distance of your smartphone. You no longer need to carry cash or cards. We offer our hand-picked features to solve your problems.  Make instant payments, control your budget, use quick money transfers, get cashback and enjoy well-designed interface of Payonix.
Register, add all your payment cards and start managing your money.  

Manage your payments
- Use contactless QR-code method to pay for groceries, utilities or anything else
- Collect all your payment cards in a single app
- Set the order of payment cards
- Send and receive money from your friends

Monitor your spending
- Track your finances and get valuable data for decision making 
- See real time statistics of your transactions

Enjoy benefits of being Payonix user
- Receive cashbacks and pay with them
- Get special discounts and offers on favorite products and services
- Get in-app communication and 7/24 customer support

## Key features

- Contactless QR-code payments
- Digital wallet for payment cards
- Instant money transfers
- Real-time spending statistics
- Cashback rewards and discounts
- 24/7 customer support

## Recent user reviews (5 of 5)

All indexed reviews: https://appshunter.io/ios/app/payonix/id1518804559/reviews.md

### 5/5 — Güvənli kredit

*2026-01-14*

Hər kəsin arzuları var, amma onları həyata keçirmək üçün düzgün maliyyə dəstəyi lazımdır. Payonix bu yolda ən güvənli seçimlərdən biridir 🤍

### 5/5 — Resad huseynov

*2026-01-14*

Supeeer eleadir mene vermir amma gozel proqramdi

### 5/5 — 90% cashback is insane!

*2022-01-29*

I've never seen an app that offers 90% cashbacks and discounts. Amazing work!

### 5/5 — Much recommended

*2021-04-30*

Great startup, great initiative 
Had some issues with the app on 12 Pro. Support responded and fixed it quickly.
Much recommended! Good luck

### 5/5 — 👍🏽

*2021-01-08*

Cool app. Hope its everywhere soon

## Frequently asked questions about Payonix

### What is Payonix?

Payonix is a digital banking application that allows users to manage their finances, make contactless payments via QR codes, transfer money instantly, and track their spending. It aims to reduce the need for physical cash and cards.

### Is Payonix free to use?

Yes, Payonix is free to download and use. However, it does contain advertisements as indicated by its ad-supported monetization model.

### What devices does Payonix support?

Payonix is currently supported on iPhone and iPod devices. It is designed for iOS users who want to manage their finances from their mobile devices.

### How secure is Payonix?

While specific security features are not detailed, the app focuses on digital financial management, implying standard security protocols for mobile banking. Users can add and manage their payment cards within the app.

### What kind of transactions can I make with Payonix?

You can make instant payments using contactless QR codes for groceries and utilities, send and receive money from friends, and manage all your payment cards in one place. It also offers real-time statistics of your transactions.

### Does Payonix offer any rewards or benefits?

Yes, Payonix users can receive cashbacks which can be used for payments, and access special discounts and offers on various products and services. The app also provides in-app communication and 24/7 customer support.

### How often is Payonix updated?

The latest version of Payonix is 3.0.12, last updated on January 12, 2026. This indicates a recent update, suggesting the app is actively maintained and improved.

### What is the user sentiment for Payonix?

Payonix has a perfect rating of 5.0 stars from 6 ratings, indicating very positive user sentiment among its current users. This suggests a high level of satisfaction with the app's features and performance.

## Version history (last 5 releases)

### 3.0.12 — 2026-01-12

Minor fixes

### 3.0.11 — 2026-01-07

Minor fixes

### 3.0.10 — 2025-12-18

Minor fixes

### 3.0.9 — 2025-12-01

Minor fixes

### 3.0.8 — 2025-11-28

Minor fixes

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## More apps by BAKU PAY, MMC

- [Payonix Merchant](https://appshunter.io/ios/app/payonix-merchant/id1544676580)

All apps by BAKU PAY, MMC: https://appshunter.io/developer/1518804558

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*