A gift-card and payments app: sell gift cards for cash, buy 14,000+ gift cards, pay bills in 100+ countries, virtual dollar cards, eSIMs and gadgets, per its site. This review sets out what Cardtonic says about itself, what we could and could not find, and where it differs from Yesa, so you can pick the one that fits how you cash out.
Facts as Cardtonic publishes them, checked 24 September 2026.
| Cardtonic (per its site) | Yesa | |
|---|---|---|
| What it is | A gift-card and payments app: sell gift cards for cash, buy 14,000+ gift cards, pay bills in 100+ countries, virtual dollar cards, eSIMs and gadgets, per its site | Sell or buy crypto and sell gift cards for naira, with bills and airtime from the same balance |
| Sell crypto for naira | Not offered; it accepts USDT and USDC only to fund its virtual dollar card, per its site | Yes, at the rate on screen before you send |
| Buy crypto with naira | Not offered on its site | Yes, ten coins, from a Yesa balance or by bank transfer |
| Swap between coins | Not offered on its site | Yes |
| Gift cards | Yes: sell gift cards for cash, and buy over 14,000 local and international gift cards, per its site | Yes, sold for naira |
| Bills and airtime | Airtime, data and utilities in 100+ countries, paid in naira or cedis, per its site | Airtime, data, TV and electricity |
| Fee on a sale | Not published on its site | Zero sell fees on crypto and gift cards |
| Rate shown before you commit | A rate calculator on its site shows what you get for a card | On screen before you send or confirm |
| Payout to a Nigerian bank | Not published on its site | Median 4.7 seconds across 1,700 measured payouts; historical, not a guarantee |
| Markets | Nigeria and Ghana, per its site | Nigeria |
| Apps | Android, iOS and web | Android and iPhone |
| Store listing | Google Play listing; its site says 1.5M+ users | Google Play 4.7 from 64 reviews |
What Cardtonic offers, as it describes it, beside how Yesa handles the same thing.
| Cardtonic (per its site) | Yesa | |
|---|---|---|
| 1 | Gift cards first: sell for cash and buy from a 14,000+ card range; crypto appears only as a way to fund its dollar card. | Gift cards and crypto in one app, both paid into the same naira balance with the rate on screen first. |
| 2 | Bills in 100+ countries, eSIMs, virtual dollar cards and gadgets, per its site. | Nigerian bills and airtime from the same balance, and nothing that is not about turning value into naira. |
| 3 | Payout time and fee schedule for gift-card sales not published on its site. | Zero sell fees on gift cards, and a published payout median of 4.7 seconds across 1,700 payouts. |
None of this makes Cardtonic a bad choice. It means the answer depends on what you are cashing out and how you want to be paid.
You see the naira figure before you send crypto or upload a card, and the sale settles at that figure.
On crypto and on gift cards, the amount on your screen is the amount that lands in your naira balance.
Sell crypto for naira, or buy ten coins with naira from your balance or by bank transfer, in one app.
Gift cards, airtime, data, TV and electricity from the same naira balance, and withdrawals to any Nigerian bank, with a measured median payout of 4.7 seconds across 1,700 payouts.
Cardtonic suits you if gift cards are your whole business, you buy cards as well as sell them, or you need eSIMs and international bills.
Yesa suits you if you sell gift cards and crypto, and want both paid into one naira balance with the rate on screen first and zero sell fees.
The full side-by-side is on Yesa vs Cardtonic, and every platform we have reviewed is listed on Yesa compared.
Cardtonic is an operating platform with a live app and website; our facts about it come from those. What we could not find on its site is marked as not published. Nigeria's Securities and Exchange Commission regulates digital asset services under the Investments and Securities Act 2025. Any platform's current standing is best checked on the SEC's own website, not on a competitor's page, including this one.
We could not find a published fee schedule on Cardtonic's website when we checked; the app may show one at the point of sale.
Not offered on its site.
Cardtonic does not publish a payout time on its website. Yesa publishes a measured median of 4.7 seconds across 1,700 payouts, historical rather than guaranteed.
If you want the rate on screen before you send, zero sell fees and both buying and selling in one app, that is what Yesa is built for. Yesa vs Cardtonic lays the two side by side.
The Yesa Team. Details checked 24 September 2026. Yesa publishes this page and benefits if you choose Yesa. Facts about other platforms come from their own websites and store listings on the date shown; we state what each one publishes and say what we could not find. If you spot an error, email support@yesaapp.ng and we will correct it.