Cardify Africa vs Tbay: Which Should You Trade With?
Score by dimension
| Dimension | Cardify Africa | Tbay |
|---|---|---|
| Gift card rates | 6.8 / 10 | 7.5 / 10Tbay wins |
| Payout speed | 3.5 / 10 | 7.5 / 10Tbay wins |
| Trade experience | 4.0 / 10 | 7.5 / 10Tbay wins |
| Support & disputes | 6.0 / 10 | 8.0 / 10Tbay wins |
| KYC & onboarding | 8.5 / 10Cardify Africa wins | N/A |
| Product quality | 8.0 / 10Cardify Africa wins | 7.5 / 10 |
| Other features | 9.0 / 10Cardify Africa wins | 7.5 / 10 |
| Security & trust | 8.0 / 10 | 8.0 / 10 |
| Reputation | 8.0 / 10 | 8.0 / 10 |
| App reviews | 8.2 / 10 | 9.1 / 10Tbay wins |
| Overall | 7.0 / 10 | 7.8 / 10 |
Side-by-side facts
| Detail | Cardify Africa | Tbay |
|---|---|---|
| Rate received (latest test) | Not recorded | We tested a $20 US Razer Gold e-code. The rate was 88.37%, or approximately 0.8837 points (₦1,077.63) per $1. |
| Tested payout time (latest test) | 14 hours 57 minutes | 10 minutes |
| Bank withdrawal time (latest test) | 1 minute | 3 minutes |
| Support first response | 5 minutes | 1 minute |
| KYC time | 5 minutes | Not tested |
| Payout methods | Bank Transfer | Bank Transfer |
| Gift card types | Amazon, Razer Gold | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, Google Play, Nike, PlayStation, Razer Gold, Roblox, 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. | Tbay did not request identity verification during our test. The account was created using an email address, username and password. |
| 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. | For this trade, Tbay showed an order amount of approximately ₦23,540.23 (18.6989097 points) and a settled amount of approximately ₦21,552.53 (17.12 points). That leaves a difference of approximately ₦1,987.70 (1.5789097 points). The order page did not clearly label this total difference as a fee, so we calculated it by comparing the order amount with the settled amount. It should not be treated as a standard Tbay charge. The transaction breakdown also showed a dispute deduction of approximately ₦697.13 (0.55376 points). Tbay gave the reason as “incorrect balance or local currency.” This was specific to the tested transaction and is not presented as a regular Tbay fee. |
Frequently asked questions
Is Cardify Africa or Tbay better overall?
Tbay 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, Cardify Africa or Tbay?
Tbay rated better on the card we traded. Our gift card rates score is 6.8 for Cardify Africa and 7.5 for Tbay. 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 Tbay?
Tbay paid out faster in our test: 10 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 Tbay?
Tbay replied first. Support took 1 minute to answer at Tbay and 5 minutes at Cardify Africa when we contacted them during testing.