Apexpay vs Cardcosmic: Which Should You Trade With?
Score by dimension
| Dimension | Apexpay | Cardcosmic |
|---|---|---|
| Gift card rates | 8.1 / 10Apexpay wins | 7.8 / 10 |
| Payout speed | 6.5 / 10 | 9.0 / 10Cardcosmic wins |
| Trade experience | 7.2 / 10 | 8.5 / 10Cardcosmic wins |
| Support & disputes | 8.0 / 10 | 8.5 / 10Cardcosmic wins |
| KYC & onboarding | 8.0 / 10Apexpay wins | N/A |
| Product quality | 8.0 / 10Apexpay wins | 7.0 / 10 |
| Other features | 8.0 / 10Apexpay wins | 4.0 / 10 |
| Security & trust | 7.9 / 10 | 8.0 / 10Cardcosmic wins |
| Reputation | 7.9 / 10 | 9.0 / 10Cardcosmic wins |
| App reviews | 8.7 / 10Apexpay wins | 8.6 / 10 |
| Overall | 7.8 / 10 | 7.8 / 10 |
Side-by-side facts
| Detail | Apexpay | Cardcosmic |
|---|---|---|
| Rate received (latest test) | The payout for our $50 US Razer Gold e-code was ₦55,600, giving an actual rate of ₦1,112 per dollar. | The tested $20 US Razer Gold e-code was quoted at ₦1,107 per dollar. Cardcosmic displayed a sale price of ₦22,140, which matched the amount received in the bank. |
| Tested payout time (latest test) | 16 minutes | 2 minutes |
| Bank withdrawal time (latest test) | 1 minute | 2 minutes |
| Support first response | 2 minutes | 3 minutes |
| KYC time | 2 minutes | Not tested |
| Payout methods | Bank transfer, Cryptocurrency | Bank Transfer |
| Gift card types | Amazon, AMEX, Apple / iTunes, eBay, GameStop, Google Play, Nike, Razer Gold, Sephora, Steam, Xbox | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, GameStop, Google Play, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, Xbox |
| KYC requirements | Apexpay requested a BVN, government-issued ID and selfie. The process took about two minutes and was approved. | Cardcosmic did not request identity verification during our test. The account was created using a full name, email address, phone number and password. |
| Fee structure | No withdrawal fee was charged. | No gift card trading fee was recorded during our test. Cardcosmic charged ₦100 to withdraw from the wallet to a bank account. The wallet balance before withdrawal was ₦22,240, and the researcher received ₦22,140 in the bank. |
Frequently asked questions
Is Apexpay or Cardcosmic better overall?
They are level. Both Apexpay and Cardcosmic score 7.8 out of 10 in our latest tests, so the choice comes down to the individual dimensions in the table above.
Which gives a better gift card rate, Apexpay or Cardcosmic?
There is no meaningful difference. Our gift card rates score is 8.1 for Apexpay and 7.8 for Cardcosmic, so compare the live rate for your specific card before trading.
Which pays out faster, Apexpay or Cardcosmic?
Cardcosmic paid out faster in our test: 2 minutes to complete the trade against 16 minutes on Apexpay. That is the tested payout time, measured from card submission to the trade value being credited; a later bank withdrawal is recorded separately.
Which has faster customer support, Apexpay or Cardcosmic?
Apexpay replied first. Support took 2 minutes to answer at Apexpay and 3 minutes at Cardcosmic when we contacted them during testing.