Carding vs Tbay: Which Should You Trade With?
Score by dimension
| Dimension | Carding | Tbay |
|---|---|---|
| Gift card rates | 7.3 / 10 | 7.5 / 10Tbay wins |
| Payout speed | 9.0 / 10Carding wins | 7.5 / 10 |
| Trade experience | 8.5 / 10Carding wins | 7.5 / 10 |
| Support & disputes | 7.0 / 10 | 8.0 / 10Tbay wins |
| KYC & onboarding | N/A | N/A |
| Product quality | 7.9 / 10Carding wins | 7.5 / 10 |
| Other features | 6.0 / 10 | 7.5 / 10Tbay wins |
| Security & trust | 8.0 / 10 | 8.0 / 10 |
| Reputation | 8.0 / 10 | 8.0 / 10 |
| App reviews | 9.1 / 10 | 9.1 / 10 |
| Overall | 7.9 / 10 | 7.8 / 10 |
Side-by-side facts
| Detail | Carding | Tbay |
|---|---|---|
| Rate received (latest test) | The tested $10 US Razer Gold e-code paid ₦10,589, giving an effective rate of ₦1,058.90 per dollar. | 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) | 2 minutes | 10 minutes |
| Bank withdrawal time (latest test) | 1 minute | 3 minutes |
| Support first response | 2 minutes | 1 minute |
| 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, Footlocker, Google Play, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, Xbox |
| KYC requirements | Carding did not request identity verification during our test. The account was created using an email address, phone number and password. | Tbay did not request identity verification during our test. The account was created using an email address, username and password. |
| Fee structure | No trading or withdrawal fee was recorded during our test. The expected payout, settlement amount and final bank payment were all ₦10,589. | 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 Carding or Tbay better overall?
Carding is better overall. It scores 7.9 out of 10 against 7.8 for Tbay, based on our own trades on both platforms.
Which gives a better gift card rate, Carding or Tbay?
There is no meaningful difference. Our gift card rates score is 7.3 for Carding and 7.5 for Tbay, so compare the live rate for your specific card before trading.
Which pays out faster, Carding or Tbay?
Carding paid out faster in our test: 2 minutes to complete the trade against 10 minutes on Tbay. 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, Carding or Tbay?
Tbay replied first. Support took 1 minute to answer at Tbay and 2 minutes at Carding when we contacted them during testing.