Cardgoal vs Payora: Which Should You Trade With?
Score by dimension
| Dimension | Cardgoal | Payora |
|---|---|---|
| Gift card rates | 8.0 / 10Cardgoal wins | 7.1 / 10 |
| Payout speed | 9.0 / 10Cardgoal wins | N/A |
| Trade experience | 8.0 / 10Cardgoal wins | 4.0 / 10 |
| Support & disputes | 8.0 / 10Cardgoal wins | 1.9 / 10 |
| KYC & onboarding | N/A | 7.0 / 10Payora wins |
| Product quality | 7.5 / 10Cardgoal wins | 5.0 / 10 |
| Other features | 7.0 / 10 | 8.5 / 10Payora wins |
| Security & trust | 8.0 / 10Cardgoal wins | 5.0 / 10 |
| Reputation | 8.0 / 10Cardgoal wins | 5.0 / 10 |
| App reviews | 8.8 / 10Cardgoal wins | 8.3 / 10 |
| Overall | 8.0 / 10 | 5.8 / 10 |
Side-by-side facts
| Detail | Cardgoal | Payora |
|---|---|---|
| Rate received (latest test) | Cardgoal displayed a rate of ₦1,110.60 per $1 for our $10 US Razer Gold e-code. The expected payout and final amount received were both ₦11,106. No withdrawal fee was recorded. | 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) | 5 minutes | Not recorded |
| Support first response | 5 minutes | Not tested |
| KYC time | Not tested | 10 minutes |
| Payout methods | Bank transfer | Bank transfer |
| Gift card types | Amazon, AMEX, Apple / iTunes, Footlocker, GameStop, Google Play, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, Xbox | Amazon, AMEX, Apple / iTunes, eBay, GameStop, Google Play, Razer Gold, Steam, Vanilla |
| KYC requirements | Cardgoal did not ask us to complete identity verification. The account was created with an email address, and no BVN, ID or selfie was requested during our test. | 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 withdrawal fee observed | No completed payout was available because the card was rejected. Payora showed a minimum withdrawal of ₦500 during the test. |
Frequently asked questions
Is Cardgoal or Payora better overall?
Cardgoal is better overall. It scores 8.0 out of 10 against 5.8 for Payora, based on our own trades on both platforms.
Which gives a better gift card rate, Cardgoal or Payora?
Cardgoal rated better on the card we traded. Our gift card rates score is 8.0 for Cardgoal and 7.1 for Payora. Rates move daily and vary by card type and denomination, so compare rates per dollar before you sell.