About Payon Group
From a single dental practice to an integrated payments and financial ecosystem.
- Founded
- 2003
- Annual transactions
- $620M+
- Partner practices
- 2,000+
- AFSL & ACL
- 509400
Our Story
Twenty-three years in the making.
Payon DentiCare began in 2003, helping Australian dental practices offer their patients manageable payment plans. Over two decades, it grew into a national operation managing more than $620 million in annual transactions across a network of more than 2,000 practices.
In 2012, capital and expertise were introduced to restructure and scale the business. The group continued reinvesting in infrastructure, capability and future growth. Techyon was established to develop the technology supporting the group's payments and financial infrastructure, with close ties to Singapore's fintech ecosystem.
Payon Capital was established to support the group's capital strategy — holding an Australian Financial Services Licence and Australian Credit Licence — and to provide eligible wholesale investors with access to the group's operating returns.
Today, Payon Group operates across healthcare payments, financial services, capital and fintech technology — in Australia and internationally.
History
The milestones that built the group.
Payon DentiCare founded.
Bringing manageable payment plans to Australian dental and orthodontic practices for the first time.
Capital and scale.
New capital and operational expertise introduced to restructure and grow the business nationally.
Payon Capital incorporated.
Payon Capital Pty Ltd established, holding AFSL & ACL 509400 for licensed financial services activities.
Fund structure formalised.
Payon Capital Fund Trust Deed executed — 27 February 2019.
A group built for growth.
Operating across healthcare payments, financial services, capital and fintech technology in Australia and internationally.
Leadership
Named, credentialled, reachable.
Payon Group is led by David Cathie, co-founder of Payon DentiCare in 2003 and the architect of the group's growth across Australia, New Zealand and Southeast Asia. The senior team brings decades of experience in healthcare payments, financial operations and regulated investment management.
Managing Director
David Cathie
Co-founder of DentiCare® in 2003. Returned to the helm in 2011 as the primary architect of the group’s strategic transformation. Over twenty-four years of executive leadership across healthcare and medical sectors in Australia, New Zealand and Southeast Asia. Graduate Diploma in Business Management.
Director & CFO
Ghafur Barchia
Chartered Accountant. Joined DentiCare® as strategic advisor in 2014, appointed CFO in 2022 and Director of Payon Capital in 2026. Over twenty-five years across accounting, tax, M&A, capital raisings, global funds management and private equity.
Director & Fund Manager
Charles Smith
Joined DentiCare® in 2021. Bachelor of Commerce, majoring in Accounting and Finance. The day-to-day operational lead for Payon Capital — high-level analytical work, complex reporting and strategic governance.
Group Structure
Five companies, one platform.
Payon Group is a vertically integrated payments and financial services organisation. Each entity serves a distinct purpose within the group — connected by shared infrastructure, shared governance and shared ambition.
Payon DentiCare
Healthcare payment-plan origination and administration for dental and orthodontic practices. Processing more than $620M in annual transactions across a national network since 2003.
ExplorePayon Capital
Wholesale investment opportunity supporting the continued growth of the Payon DentiCare ecosystem. Payon Capital Pty Ltd holds AFSL & ACL 509400.
ExplorePayon Systems
The group's platform for new verticals and international markets — the proven DentiCare model applied elsewhere, including card-acquiring and merchant services capability.
ExploreTechyon
Technology development supporting the group's payments and financial infrastructure — connected to Singapore's fintech ecosystem.
ExplorePayon BNPL
Industry-specific payment-plan solutions for Dental, Orthodontic, Health, Beauty and Wellness markets.
ExploreLicences & Registrations
Due diligence, without the phone call.
Key entity details, licence numbers and registrations — everything a counterparty or investor needs, in one place.
