Apexpay vs Cardify Africa: Which Should You Trade With?
Score by dimension
| Dimension | Apexpay | Cardify Africa |
|---|---|---|
| Gift card rates | 8.1 / 10Apexpay wins | 6.8 / 10 |
| Payout speed | 6.5 / 10Apexpay wins | 3.5 / 10 |
| Trade experience | 7.2 / 10Apexpay wins | 4.0 / 10 |
| Support & disputes | 8.0 / 10Apexpay wins | 6.0 / 10 |
| KYC & onboarding | 8.0 / 10 | 8.5 / 10Cardify Africa wins |
| Product quality | 8.0 / 10 | 8.0 / 10 |
| Other features | 8.0 / 10 | 9.0 / 10Cardify Africa wins |
| Security & trust | 7.9 / 10 | 8.0 / 10Cardify Africa wins |
| Reputation | 7.9 / 10 | 8.0 / 10Cardify Africa wins |
| App reviews | 8.7 / 10Apexpay wins | 8.2 / 10 |
| Overall | 7.8 / 10 | 7.0 / 10 |
Side-by-side facts
| Detail | Apexpay | Cardify Africa |
|---|---|---|
| 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. | Not recorded |
| Tested payout time (latest test) | 16 minutes | 14 hours 57 minutes |
| Bank withdrawal time (latest test) | 1 minute | 1 minute |
| Support first response | 2 minutes | 5 minutes |
| KYC time | 2 minutes | 5 minutes |
| 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, Razer Gold |
| KYC requirements | Apexpay requested a BVN, government-issued ID and selfie. The process took about two minutes and was approved. | The KYC process began with basic verification using a phone OTP and email address. Level 2 offered verification with either a BVN or NIN, while Level 3 required an accepted identity document, a selfie and a utility bill. The researcher completed the KYC process in five minutes. |
| Fee structure | No withdrawal fee was charged. | Cardify did not charge a fee for the gift card trade. The completed trade credited ₦14,000 to the researcher’s Cardify wallet. Cardify then charged a ₦100 withdrawal fee, so ₦13,900 reached the researcher’s bank account. |
Frequently asked questions
Is Apexpay or Cardify Africa better overall?
Apexpay is better overall. It scores 7.8 out of 10 against 7.0 for Cardify Africa, based on our own trades on both platforms.
Which gives a better gift card rate, Apexpay or Cardify Africa?
Apexpay rated better on the card we traded. Our gift card rates score is 8.1 for Apexpay and 6.8 for Cardify Africa. Rates move daily and vary by card type and denomination, so compare rates per dollar before you sell.
Which pays out faster, Apexpay or Cardify Africa?
Apexpay paid out faster in our test: 16 minutes to complete the trade against 14 hours 57 minutes on Cardify Africa. 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 Cardify Africa?
Apexpay replied first. Support took 2 minutes to answer at Apexpay and 5 minutes at Cardify Africa when we contacted them during testing.
Is verification quicker on Apexpay or Cardify Africa?
Apexpay verified us more quickly, taking 2 minutes against 5 minutes on Cardify Africa.