Cardcosmic vs Payora: Which Should You Trade With?
Score by dimension
| Dimension | Cardcosmic | Payora |
|---|---|---|
| Gift card rates | 7.8 / 10Cardcosmic wins | 7.1 / 10 |
| Payout speed | 9.0 / 10Cardcosmic wins | N/A |
| Trade experience | 8.5 / 10Cardcosmic wins | 4.0 / 10 |
| Support & disputes | 8.5 / 10Cardcosmic wins | 1.9 / 10 |
| KYC & onboarding | N/A | 7.0 / 10Payora wins |
| Product quality | 7.0 / 10Cardcosmic wins | 5.0 / 10 |
| Other features | 4.0 / 10 | 8.5 / 10Payora wins |
| Security & trust | 8.0 / 10Cardcosmic wins | 5.0 / 10 |
| Reputation | 9.0 / 10Cardcosmic wins | 5.0 / 10 |
| App reviews | 8.6 / 10Cardcosmic wins | 8.3 / 10 |
| Overall | 7.8 / 10 | 5.8 / 10 |
Side-by-side facts
| Detail | Cardcosmic | Payora |
|---|---|---|
| Rate received (latest test) | 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. | Payora displayed ₦966.373 per dollar and an expected payout of ₦9,663.73 for our $10 Razer Gold e-code. The card was rejected, so no rate was actually received and no payout was made. |
| Tested payout time (latest test) | 2 minutes | Not tested |
| Bank withdrawal time (latest test) | 2 minutes | Not recorded |
| Support first response | 3 minutes | Not tested |
| KYC time | Not tested | 10 minutes |
| Payout methods | Bank Transfer | Bank transfer |
| Gift card types | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, GameStop, Google Play, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, Xbox | Amazon, AMEX, Apple / iTunes, eBay, GameStop, Google Play, Razer Gold, Steam, Vanilla |
| KYC requirements | Cardcosmic did not request identity verification during our test. The account was created using a full name, email address, phone number and password. | Payora requested a BVN, home address, full name, date of birth, gender and state of origin. Approval took about one minute, but the full process took about ten minutes because the app crashed twice. |
| Fee structure | 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. | No completed payout was available because the card was rejected. Payora showed a minimum withdrawal of ₦500 during the test. |
Frequently asked questions
Is Cardcosmic or Payora better overall?
Cardcosmic is better overall. It scores 7.8 out of 10 against 5.8 for Payora, based on our own trades on both platforms.
Which gives a better gift card rate, Cardcosmic or Payora?
Cardcosmic rated better on the card we traded. Our gift card rates score is 7.8 for Cardcosmic and 7.1 for Payora. Rates move daily and vary by card type and denomination, so compare rates per dollar before you sell.