Apexpay vs Cardtonic: Which Should You Trade With?
Score by dimension
| Dimension | Apexpay | Cardtonic |
|---|---|---|
| Gift card rates | 8.1 / 10 | 9.5 / 10Cardtonic wins |
| Payout speed | 6.5 / 10 | 9.5 / 10Cardtonic wins |
| Trade experience | 7.2 / 10 | 9.0 / 10Cardtonic wins |
| Support & disputes | 8.0 / 10 | 8.9 / 10Cardtonic wins |
| KYC & onboarding | 8.0 / 10 | 9.0 / 10Cardtonic wins |
| Product quality | 8.0 / 10 | 9.4 / 10Cardtonic wins |
| Other features | 8.0 / 10 | 9.0 / 10Cardtonic wins |
| Security & trust | 7.9 / 10 | 9.5 / 10Cardtonic wins |
| Reputation | 7.9 / 10 | 9.5 / 10Cardtonic wins |
| App reviews | 8.7 / 10 | 8.7 / 10 |
| Overall | 7.8 / 10 | 9.2 / 10 |
Side-by-side facts
| Detail | Apexpay | Cardtonic |
|---|---|---|
| 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. | Cardtonic processed our $5 US Razer Gold e-code at ₦1,175 per dollar and paid ₦5,875. The displayed and received amounts matched, and no selling or bank-payment deduction was recorded. |
| Tested payout time (latest test) | 16 minutes | 1 minute |
| Bank withdrawal time (latest test) | 1 minute | 1 minute |
| Support first response | 2 minutes | 3 minutes |
| KYC time | 2 minutes | 4 minutes |
| Payout methods | Bank transfer, Cryptocurrency | Bank transfer, Wallet balance |
| Gift card types | Amazon, AMEX, Apple / iTunes, eBay, GameStop, Google Play, Nike, Razer Gold, Sephora, Steam, Xbox | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, GameStop, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Xbox |
| KYC requirements | Apexpay requested a BVN, government-issued ID and selfie. The process took about two minutes and was approved. | Cardtonic has basic and advanced KYC levels. Basic KYC required a date of birth, BVN and a clear selfie. Advanced KYC required a valid government-issued ID and proof of address. Both levels took six minutes to complete. Advanced KYC was approved in four minutes. |
| Fee structure | No withdrawal fee was charged. | No selling or bank-withdrawal fee was recorded during the tested transaction. Cardtonic displayed an expected payout of ₦5,875 for the $5 Razer Gold e-code, and the researcher received ₦5,875. |
Frequently asked questions
Is Apexpay or Cardtonic better overall?
Cardtonic is better overall. It scores 9.2 out of 10 against 7.8 for Apexpay, based on our own trades on both platforms.
Which gives a better gift card rate, Apexpay or Cardtonic?
Cardtonic rated better on the card we traded. Our gift card rates score is 8.1 for Apexpay and 9.5 for Cardtonic. Rates move daily and vary by card type and denomination, so compare rates per dollar before you sell.
Which pays out faster, Apexpay or Cardtonic?
Cardtonic paid out faster in our test: 1 minute 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 Cardtonic?
Apexpay replied first. Support took 2 minutes to answer at Apexpay and 3 minutes at Cardtonic when we contacted them during testing.
Is verification quicker on Apexpay or Cardtonic?
Apexpay verified us more quickly, taking 2 minutes against 4 minutes on Cardtonic.