Cardify Africa vs PGold: Which Should You Trade With?
Score by dimension
| Dimension | Cardify Africa | PGold |
|---|---|---|
| Gift card rates | 6.8 / 10 | 7.2 / 10PGold wins |
| Payout speed | 3.5 / 10 | 7.5 / 10PGold wins |
| Trade experience | 4.0 / 10 | 6.0 / 10PGold wins |
| Support & disputes | 6.0 / 10 | 8.0 / 10PGold wins |
| KYC & onboarding | 8.5 / 10Cardify Africa wins | N/A |
| Product quality | 8.0 / 10Cardify Africa wins | 7.0 / 10 |
| Other features | 9.0 / 10Cardify Africa wins | 7.0 / 10 |
| Security & trust | 8.0 / 10Cardify Africa wins | 7.0 / 10 |
| Reputation | 8.0 / 10Cardify Africa wins | 7.0 / 10 |
| App reviews | 8.2 / 10 | 8.7 / 10PGold wins |
| Overall | 7.0 / 10 | 7.3 / 10 |
Side-by-side facts
| Detail | Cardify Africa | PGold |
|---|---|---|
| Rate received (latest test) | Not recorded | PGold processed our $50 US Razer Gold e-code at ₦1,000 per dollar and paid ₦50,000. The separate bank withdrawal took 7 minutes. |
| Tested payout time (latest test) | 14 hours 57 minutes | 6 minutes |
| Bank withdrawal time (latest test) | 1 minute | 7 minutes |
| Support first response | 5 minutes | 3 minutes |
| KYC time | 5 minutes | Not tested |
| Payout methods | Bank Transfer | Bank transfer |
| Gift card types | Amazon, Razer Gold | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, GameStop, Nike, PlayStation, Razer Gold, Sephora, Steam, Vanilla, Xbox |
| KYC requirements | 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. | PGold did not require completed identity verification during our test. BVN and selfie fields were listed, but they were not completed and did not prevent the trade. |
| Fee structure | 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. | No trading or bank-payment deduction was recorded. |
Frequently asked questions
Is Cardify Africa or PGold better overall?
PGold is better overall. It scores 7.3 out of 10 against 7.0 for Cardify Africa, based on our own trades on both platforms.
Which gives a better gift card rate, Cardify Africa or PGold?
PGold rated better on the card we traded. Our gift card rates score is 6.8 for Cardify Africa and 7.2 for PGold. Rates move daily and vary by card type and denomination, so compare rates per dollar before you sell.
Which pays out faster, Cardify Africa or PGold?
PGold paid out faster in our test: 6 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, Cardify Africa or PGold?
PGold replied first. Support took 3 minutes to answer at PGold and 5 minutes at Cardify Africa when we contacted them during testing.