Cardify Africa vs ValueSwap: Which Should You Trade With?
Score by dimension
| Dimension | Cardify Africa | ValueSwap |
|---|---|---|
| Gift card rates | 6.8 / 10 | 8.5 / 10ValueSwap wins |
| Payout speed | 3.5 / 10 | 8.5 / 10ValueSwap wins |
| Trade experience | 4.0 / 10 | 8.5 / 10ValueSwap wins |
| Support & disputes | 6.0 / 10 | 9.0 / 10ValueSwap wins |
| KYC & onboarding | 8.5 / 10Cardify Africa wins | N/A |
| Product quality | 8.0 / 10 | 8.0 / 10 |
| Other features | 9.0 / 10Cardify Africa wins | 5.0 / 10 |
| Security & trust | 8.0 / 10Cardify Africa wins | 4.0 / 10 |
| Reputation | 8.0 / 10Cardify Africa wins | 5.0 / 10 |
| App reviews | 8.2 / 10 | 9.4 / 10ValueSwap wins |
| Overall | 7.0 / 10 | 7.3 / 10 |
Side-by-side facts
| Detail | Cardify Africa | ValueSwap |
|---|---|---|
| Rate received (latest test) | Not recorded | ValueSwap displayed a payout of ₦11,215 for our $10 US Razer Gold e-code, giving a rate of ₦1,121.50 per $1. The wallet received ₦11,215. After a ₦50 withdrawal deduction, ₦11,165 reached the bank account. |
| Tested payout time (latest test) | 14 hours 57 minutes | 3 minutes |
| Bank withdrawal time (latest test) | 1 minute | 3 minutes |
| Support first response | 5 minutes | 5 minutes |
| KYC time | 5 minutes | Not tested |
| Payout methods | Bank Transfer | Bank transfer, Cryptocurrency |
| Gift card types | Amazon, Razer Gold | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, GameStop, 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. | ValueSwap did not ask us to complete identity verification. Registration required a name, email address and password, while the referral and country fields were optional. |
| 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. | A ₦50 deduction applied during withdrawal |
Frequently asked questions
Is Cardify Africa or ValueSwap better overall?
ValueSwap 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 ValueSwap?
ValueSwap rated better on the card we traded. Our gift card rates score is 6.8 for Cardify Africa and 8.5 for ValueSwap. 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 ValueSwap?
ValueSwap paid out faster in our test: 3 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.