Payora vs Vivakard: Which Should You Trade With?
Score by dimension
| Dimension | Payora | Vivakard |
|---|---|---|
| Gift card rates | 7.1 / 10 | 9.0 / 10Vivakard wins |
| Payout speed | N/A | 9.5 / 10Vivakard wins |
| Trade experience | 4.0 / 10 | 8.5 / 10Vivakard wins |
| Support & disputes | 1.9 / 10 | 8.7 / 10Vivakard wins |
| KYC & onboarding | 7.0 / 10Payora wins | N/A |
| Product quality | 5.0 / 10 | 8.7 / 10Vivakard wins |
| Other features | 8.5 / 10Payora wins | 8.0 / 10 |
| Security & trust | 5.0 / 10 | 7.0 / 10Vivakard wins |
| Reputation | 5.0 / 10 | 7.0 / 10Vivakard wins |
| App reviews | 8.3 / 10 | 8.9 / 10Vivakard wins |
| Overall | 5.8 / 10 | 8.4 / 10 |
Side-by-side facts
| Detail | Payora | Vivakard |
|---|---|---|
| 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. | Vivakard displayed a rate of ₦1,147 per $1 and an expected payout of ₦11,478 for our $10 US Razer Gold e-code. The researcher received ₦12,000, including a bonus whose amount and basis were not specified. |
| Tested payout time (latest test) | Not tested | 1 minute |
| Bank withdrawal time (latest test) | Not recorded | 2 minutes |
| Support first response | Not tested | 2 minutes |
| 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, Footlocker, GameStop, Google Play, PlayStation, Razer Gold, 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. | Vivakard did not ask us to complete identity verification. We created the account with a name, email address and password and were able to trade without submitting BVN, an ID or a selfie. |
| Fee structure | No completed payout was available because the card was rejected. Payora showed a minimum withdrawal of ₦500 during the test. | No fee observed |
Frequently asked questions
Is Payora or Vivakard better overall?
Vivakard is better overall. It scores 8.4 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 Vivakard?
Vivakard rated better on the card we traded. Our gift card rates score is 7.1 for Payora and 9.0 for Vivakard. Rates move daily and vary by card type and denomination, so compare rates per dollar before you sell.