WE ARE THE TONIKS

Leveraging technology to solve real-life problemsđź’Ş

We build digital products that help you do more, stress less, and get results without wasting time or money.

6+

Years

3+

Active products

1.5M+

Satisfied Users

100+

Amazing Employees

Empowering millions of businesses & users with seamless financial solutions

We combine our creativity and expertise to turn challenges into opportunities for our customers.

Cross-Border Payment Solutions

We enable smooth international transactions that reduce costs, avoid delays, and support your business expansion.

Cross-Border Payment
Virtual Dollar Card

Virtual Dollar Card

Our card helps you shop, subscribe, and pay online globally, without running into unnecessary restrictions.

Gift Card Solutions

Gift Card Solutions

Our platform lets you buy, sell, or use gift cards in ways that bring you real value.

Local & International Bills Payment

We simplify how you settle local and international bills, saving you time and avoiding failed payments.

Bills Payment

Gadgets & Accessories Store

We provide quality gadgets and accessories with fast delivery to support your everyday tech life.

Gadgets Store
eSIM Solutions

eSIM Solutions

Our eSIMs keep you connected across countries, with quick activation and no physical SIM hassles.

Who Are We?

We are Toniks...

And we take technology seriously – but we don't take ourselves too seriously!

We're a team of about 100 movers and shakers who are passionate about using our jobs to make your life easier and your business more successful. We believe that technology doesn't have to be complicated or intimidating – it should be accessible, intuitive, and even a little bit fun,which is evident with our range of products.

We take pride in staying on the cutting edge of technology trends and advancements, and we're constantly looking for new and creative ways to solve certain problems . But we're not all business and no play; we like to sprinkle some fun on top of our seriousness.

There's so much to tell, but we wouldn't want you to sleep here…

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We prioritise 'people' in the
three business Ps...

We're passionate about providing exceptional customer service and work closely with our customers to ensure that our solutions meet their unique needs; in fact, we offer 24/7 customer support service for most products.

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Community Impact

We believe in giving back to the community , and we're proud to participate in charitable events and initiatives that support education, technology and economic empowerment in our geography.

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Upskill Program

A contest for tech enthusiasts where we provide winners with free MacBooks to facilitate their growth in the tech space.Learn More
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CTHumans Outreach

A monthly charity outreach to support initiatives that deliver support to non-profit organisations in our local communities.Learn More
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Tonic FC

Grassroots football, but make it tech-powered. Tonic FC is our way of supporting local talent, building community pride, and creating real opportunities for young players chasing big dreams.View IG Page

Geographical Footprints

countries
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Our Products

We're always in the kitchen, because why not?
Cardtonic

Cardtonic

A financial product that bridges the gap between individuals and businesses that need discounted gift cards as payment alternatives.
Go to Cardtonic
Biznic

Biznic

Invite-only cash-alternative payment solutions for e-commerce and drop shipping businesses to help them get more for less.
Go to Biznic
JustGadgets

JustGadgets

An e-commerce solution that makes ordering gadgets as simple as ordering pizza, or burger, whichever you prefer.
Go to Just Gadget
PIL by Cardtonic

PIL by Cardtonic

A B2B-focused virtual dollar card platform built to help businesses, marketers, and teams make seamless international payments without stress.
Go to PIL