Apexpay review
7.8/ 10
Score breakdown
Each dimension is scored from our own tests and weighted into the overall score.
Verdict
Apexpay completed our $50 US Razer Gold trade in 16 minutes and paid the corrected amount of ₦55,600, equal to ₦1,112 per dollar. The separate withdrawal took one minute and no fee was charged.
Pros
- The bank withdrawal took one minute
- Support responded in two minutes during the delay
- No withdrawal fee was charged
- KYC was approved in about two minutes
Cons
- The trade remained under review until we contacted support, after which it was approved
- The ₦2,000 bonus required KYC, ₦100,000 in gift card trades and two successful transactions
Our review
About Apexpay
Apexpay is a gift card trading platform for users in Nigeria and Ghana. It is available on Android and iOS and supports bank and cryptocurrency payouts. The platform also lists bill payments, airtime and data among its other services.
How we tested Apexpay
We tested Apexpay on 16 September 2026 using a $50 US Razer Gold e-code. We followed our How We Review process by completing KYC, checking the rate, submitting the card, contacting support during the delay and withdrawing the payment.
The card was submitted at 5:36 AM and completed at 5:52 AM, so the gift card trade took 16 minutes. The correct payout was ₦55,600, which gives a rate of ₦1,112 per dollar. The separate bank withdrawal took one minute, and the full ₦55,600 arrived without a withdrawal fee.
Trading experience
Apexpay asked for a BVN, government-issued ID and selfie during KYC. The verification took about two minutes and was approved.
The card remained under review for 16 minutes, so we contacted in-app support during the delay. A human response arrived in two minutes. Once the trade was completed, ₦55,600 entered the wallet.
Withdrawing the completed payout to the bank took one minute. No withdrawal fee was charged, so the full ₦55,600 reached the bank account.
Apexpay also offers a ₦2,000 bonus, but it is not available immediately. To qualify, a user must complete KYC, trade gift cards worth ₦100,000 and complete two successful transactions.
Our test results
Measured on 16 September 2026.
| Rate received | The payout for our $50 US Razer Gold e-code was ₦55,600, giving an actual rate of ₦1,112 per dollar. |
|---|---|
| Tested payout time | 16 minutes |
| Bank withdrawal time | 1 minute |
| Support first response | 2 minutes |
| KYC time | 2 minutes |
| Test date | 16 September 2026 |
- Rate received
- The payout for our $50 US Razer Gold e-code was ₦55,600, giving an actual rate of ₦1,112 per dollar.
- Tested payout time
- 16 minutes
- Bank withdrawal time
- 1 minute
- Support first response
- 2 minutes
- KYC time
- 2 minutes
- Test date
- 16 September 2026
Platform facts
| Gift cards supported | Amazon, AMEX, Apple / iTunes, eBay, GameStop, Google Play, Nike, Razer Gold, Sephora, Steam, Xbox |
|---|---|
| Payout methods | Bank transfer, Cryptocurrency |
| Countries served | Nigeria, Ghana |
| Fee structure | No withdrawal fee was charged. |
| KYC requirements | Apexpay requested a BVN, government-issued ID and selfie. The process took about two minutes and was approved. |
| Payout currencies | Naira, Cedis |
| Other features | Bill payments, Airtime and data, Sell crypto |
- Gift cards supported
- Amazon, AMEX, Apple / iTunes, eBay, GameStop, Google Play, Nike, Razer Gold, Sephora, Steam, Xbox
- Payout methods
- Bank transfer, Cryptocurrency
- Countries served
- Nigeria, Ghana
- Fee structure
- No withdrawal fee was charged.
- KYC requirements
- Apexpay requested a BVN, government-issued ID and selfie. The process took about two minutes and was approved.
- Payout currencies
- Naira, Cedis
- Other features
- Bill payments, Airtime and data, Sell crypto
App store reviews
Ratings pulled directly from the app stores where Apexpay is listed.
| Apple App Store | 4.0 ★ · 1,024 ratingsFetched 18 September 2026 |
|---|---|
| Google Play Store | 4.5 ★ · 4,059 ratingsFetched 18 September 2026 |
- Apple App Store
- 4.0 ★ · 1,024 ratingsFetched 18 September 2026
- Google Play Store
- 4.5 ★ · 4,059 ratingsFetched 18 September 2026
AI-generated summary of recent app store reviews — updated 18 September 2026.
Positive reviews frequently highlight the app's speed, competitive exchange rates, and user-friendly interface for trading gift cards and cryptocurrency. Users appreciate the quick payout processing and overall reliability of the service. Several reviewers also commend the responsive customer support team, trader bonuses, and simple account navigation.
Conversely, numerous users accuse the platform of theft and fraud. A major grievance is that submitted gift cards are frequently flagged as already redeemed or invalid, despite users providing purchase receipts. Other prominent complaints involve delayed or blocked withdrawals, missing cryptocurrency deposits, uncredited trade balances, and unhelpful customer service. Technical issues are also reported, including email verification failures, withdrawal limit errors, and blank screen app crashes.
What people are posting about Apexpay
Posts selected by our editors. They play on this page once you choose to load them, and are not part of our scoring.
- YouTubeHow to Sell Gift Cards for Cash in Nigeria & Ghana (Fast Exchange Platform)View original post
Compared with others
Frequently asked questions
Is Apexpay legitimate?
Apexpay completed our $50 Razer Gold trade and the full ₦55,600 reached our bank account without a withdrawal fee. That gives us a completed payment to assess, although one trade cannot guarantee every future result.
Which countries and currencies does Apexpay support?
Apexpay lists Nigeria and Ghana, with payouts in naira and cedis. It also offers bank and cryptocurrency payout options.
Does Apexpay require KYC?
Yes. Apexpay asked for a BVN, government-issued ID and selfie during our test. The process took about two minutes and was approved. KYC is also one of the requirements for receiving the ₦2,000 bonus.
How long did the Apexpay trade and withdrawal take?
The gift card trade took 16 minutes, from 5:36 AM to 5:52 AM. After the payout entered the wallet, the separate bank withdrawal took one minute.
Does Apexpay charge fees?
Apexpay did not charge a withdrawal fee during our test. The trade payout was ₦55,600, and the full ₦55,600 reached the bank account.