What is aPay and how does it work?

aPay is a platform for buying and selling gift cards at competitive rates. You sign up with an email, select 'Sell Gift Cards' or 'Buy Gift Cards', enter card details, view the calculated rate, provide bank details or make payment, and receive delivery or payment quickly.

What countries does aPay operate in?

aPay operates in Nigeria and Ghana.

Does aPay have a mobile app?

Yes, aPay is available on Android. Get aPay on Google Play for Android.

Who is aPay best suited for?

aPay is best suited for individuals in Nigeria looking to buy or sell gift cards reliably.

Does aPay offer an API or integrations?

Yes, aPay offers a public API. View the official aPay API documentation for endpoints, authentication, and integration guides.

aPay

🇳🇬 Nigeria 🇬🇭 Ghana

A fintech app for users in Nigeria and Ghana to sell gift cards and crypto for instant bank payouts, buy RMB to Alipay/WeChat, and pay bills online.

Use it on:Web API

Is aPay right for you?

Best for

Gift card sellers
Crypto holders cashing out
People paying bills online
RMB to Alipay buyers
Nigeria and Ghana users

What it does well

Gift card to cash
Crypto to bank payouts
RMB to Alipay payments
RMB to WeChat payments
In-app bill payments

Things to check

Supported gift card brands
Supported crypto coins
Payout banks and limits
RMB payment delivery time
Nigeria vs Ghana features

aPay is a consumer fintech platform for people in Nigeria and Ghana who need to convert gift cards or cryptocurrencies to local currency, buy RMB for China payments, and pay everyday bills online.

Key capabilities include:

Sell gift cards for cash by trading 50+ supported brands (including Amazon, Apple/iTunes, Google Play, Steam, and Sephora) with support for physical cards, e-codes, and digital receipts, then receiving bank payouts in minutes.
Sell cryptocurrency (including Bitcoin, Ethereum, and USDT) and receive instant local payouts to a linked bank account.
Buy RMB (CNY) to fund Alipay, WeChat Pay, and Chinese bank accounts/cards, with stated transfer times of 1 to 30 minutes.
Pay bills such as airtime and data (MTN, Glo, Airtel, 9mobile) plus utilities and subscriptions including DSTV, GOtv, Startimes, EKEDC, and IKEDC, with instant confirmation.

Available on Web, with a Developer API for integrations.

The product primarily serves individual traders, freelancers, and consumers who want quick conversion of digital value (gift cards and crypto) into Naira (₦) or Cedis (₵), plus fast RMB funding for China-related payments.

Notable signals for the Nigeria and Ghana market include published metrics of 100,000+ active users and ₦4.5B+ total volume, plus listed CAC, SCUML, and NDPC certifications, and built-in security features such as SSL encryption, 2FA, and KYC.

As of Jun 22, 2026, aPay is rated 4.4 on Google Play from 248 reviews with 50K+ installs.

Categories:

Crypto & Web3 Fintech

Features & Business Model: