Payora vs Tbay: Which Should You Trade With?
Score by dimension
| Dimension | Payora | Tbay |
|---|---|---|
| Gift card rates | 7.1 / 10 | 7.5 / 10Tbay wins |
| Payout speed | N/A | 7.5 / 10Tbay wins |
| Trade experience | 4.0 / 10 | 7.5 / 10Tbay wins |
| Support & disputes | 1.9 / 10 | 8.0 / 10Tbay wins |
| KYC & onboarding | 7.0 / 10Payora wins | N/A |
| Product quality | 5.0 / 10 | 7.5 / 10Tbay wins |
| Other features | 8.5 / 10Payora wins | 7.5 / 10 |
| Security & trust | 5.0 / 10 | 8.0 / 10Tbay wins |
| Reputation | 5.0 / 10 | 8.0 / 10Tbay wins |
| App reviews | 8.3 / 10 | 9.1 / 10Tbay wins |
| Overall | 5.8 / 10 | 7.8 / 10 |
Side-by-side facts
| Detail | Payora | Tbay |
|---|---|---|
| Rate received (latest test) | 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. | 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) | Not tested | 10 minutes |
| Bank withdrawal time (latest test) | Not recorded | 3 minutes |
| Support first response | Not tested | 1 minute |
| KYC time | 10 minutes | Not tested |
| Payout methods | Bank transfer | Bank Transfer |
| Gift card types | Amazon, AMEX, Apple / iTunes, eBay, GameStop, Google Play, Razer Gold, Steam, Vanilla | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, Google Play, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, Xbox |
| KYC requirements | 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. | Tbay did not request identity verification during our test. The account was created using an email address, username and password. |
| Fee structure | No completed payout was available because the card was rejected. Payora showed a minimum withdrawal of ₦500 during the test. | 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 Payora or Tbay better overall?
Tbay is better overall. It scores 7.8 out of 10 against 5.8 for Payora, based on our own trades on both platforms.
Which gives a better gift card rate, Payora or Tbay?
Tbay rated better on the card we traded. Our gift card rates score is 7.1 for Payora and 7.5 for Tbay. Rates move daily and vary by card type and denomination, so compare rates per dollar before you sell.