---
title: "aPay: Gift Cards, Crypto and Bill Payments"
description: "Sell 50+ gift card brands or BTC/ETH/USDT for bank payouts in minutes in Nigeria & Ghana. Buy RMB to Alipay/WeChat in 1–30 min, pay bills."
canonical_url: "https://liners.com/apay"
markdown_url: "https://liners.com/apay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/giftcards/screenshot.webp?v=1773340235878"
published_at: "2026-03-23T17:19:38.659Z"
updated_at: "2026-10-06T16:49:31.850Z"
---

# aPay: Gift Cards, Crypto and Bill Payments

Sell 50+ gift card brands or BTC/ETH/USDT for bank payouts in minutes in Nigeria & Ghana. Buy RMB to Alipay/WeChat in 1–30 min, pay bills.

## Breadcrumbs

- [Crypto & Web3](/categories/crypto-web3)
- [aPay](/apay)

## Summary

Convert gift cards and crypto to instant cash in minutes

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://apay.africa/ |
| Tagline | Convert gift cards and crypto to instant cash in minutes |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Crypto & Web3](/categories/crypto-web3): Category
- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Crypto Trading and Wallets](/tags/cryptocurrency-trading): Product feature or technology
- [Gift Cards](/tags/gift-cards): Product feature or technology
- [Mobile Money](/tags/mobile-money): Product feature or technology
- [Ghana](/countries/ghana): Market
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/apay/alternatives)
- [Reviews](/apay/reviews)
- [Transparency](/apay/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/apay)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)