Tbay vs Vivakard: Which Should You Trade With?
Score by dimension
| Dimension | Tbay | Vivakard |
|---|---|---|
| Gift card rates | 7.5 / 10 | 9.0 / 10Vivakard wins |
| Payout speed | 7.5 / 10 | 9.5 / 10Vivakard wins |
| Trade experience | 7.5 / 10 | 8.5 / 10Vivakard wins |
| Support & disputes | 8.0 / 10 | 8.7 / 10Vivakard wins |
| KYC & onboarding | N/A | N/A |
| Product quality | 7.5 / 10 | 8.7 / 10Vivakard wins |
| Other features | 7.5 / 10 | 8.0 / 10Vivakard wins |
| Security & trust | 8.0 / 10Tbay wins | 7.0 / 10 |
| Reputation | 8.0 / 10Tbay wins | 7.0 / 10 |
| App reviews | 9.1 / 10Tbay wins | 8.9 / 10 |
| Overall | 7.8 / 10 | 8.4 / 10 |
Side-by-side facts
| Detail | Tbay | Vivakard |
|---|---|---|
| Rate received (latest test) | We tested a $20 US Razer Gold e-code. The rate was 88.37%, or approximately 0.8837 points (₦1,077.63) per $1. | 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) | 10 minutes | 1 minute |
| Bank withdrawal time (latest test) | 3 minutes | 2 minutes |
| Support first response | 1 minute | 2 minutes |
| Payout methods | Bank Transfer | Bank transfer |
| Gift card types | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, Google Play, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, Xbox | Amazon, AMEX, Apple / iTunes, Footlocker, GameStop, Google Play, PlayStation, Razer Gold, Sephora, Steam, Vanilla, Xbox |
| KYC requirements | Tbay did not request identity verification during our test. The account was created using an email address, username and password. | 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 | 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. | No fee observed |
Frequently asked questions
Is Tbay or Vivakard better overall?
Vivakard is better overall. It scores 8.4 out of 10 against 7.8 for Tbay, based on our own trades on both platforms.
Which gives a better gift card rate, Tbay or Vivakard?
Vivakard rated better on the card we traded. Our gift card rates score is 7.5 for Tbay and 9.0 for Vivakard. Rates move daily and vary by card type and denomination, so compare rates per dollar before you sell.
Which pays out faster, Tbay or Vivakard?
Vivakard paid out faster in our test: 1 minute 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, Tbay or Vivakard?
Tbay replied first. Support took 1 minute to answer at Tbay and 2 minutes at Vivakard when we contacted them during testing.