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Cardify
A fintech platform for Nigerians to fund virtual dollar cards with NGN or USDT, pay bills, trade gift cards, and receive USD via a US ACH account.
Cardify Product Overview
Is Cardify Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerians paying online
- International subscriptions
What It Does Well
- Virtual dollar cards
- Fund with NGN
Things to Check
- Card funding limits
- Supported billers list
About Cardify
Cardify Africa is a fintech platform for individuals in Nigeria who need virtual dollar cards and multi-wallet options for international online payments, bill payments, and crypto to naira exchanges.
Key capabilities include:
- Virtual dollar cards: Create and fund dollar-denominated virtual cards with NGN or USDT for international online purchases and subscriptions (the research brief notes Basic Dollar Cards (Mastercard) and Standard Dollar Cards (Visa)).
- Gift card trading: Buy digital gift cards and sell unused gift cards to receive value in NGN or USDT.
- US ACH account and USDT payments: Receive USD payments through a US ACH account, with support for getting paid via USDT.
- Bills and store purchases: Pay local bills and top-ups (airtime, data, and utilities) and buy items through Cardify Store, including gadgets and digital business cards.
Available on Web, Android, and iOS.
It targets B2C users such as content creators, entrepreneurs, digital nomads, and everyday consumers across Nigeria who want alternatives for paying international merchants and managing NGN and crypto balances.
The product is notable in the Nigerian market for combining virtual USD card funding (NGN and USDT), gift card trading, and bill payments in one app, and it reports 100k+ verified users, 1m+ transactions, and 5+ assets supported.
Cardify Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
What it does
As of Oct 5, 2026, Cardify is rated 3.1 on Google Play from 587 reviews with 50K+ installs.
Recent Reviews for Cardify
Reviews reflect each reviewer's opinion. Companies cannot pay to alter or remove reviews. A verified review includes proof that Liners checked to an extent. Learn how reviews work4.0
Great · 6 reviews
5-star
67%
4-star
33%
3-star
0%
2-star
0%
1-star
0%
How is the score calculated?
Every product starts at a 3.5-star baseline worth 7 reviews. Each approved review pulls the score toward the real average, so a product with one 5-star review shows about 3.7.
Learn how reviews work
Ahmad Abdulrahman
NG · 1 review
Oct 5, 2026
Cardify has been super reliable for my dollar payments. Creating a virtual card was instant, funding is fast, and transactions don't fail like other apps I tried. Customer support actually responds. I recommend it for freelancers who need to pay for tools online.
May AuduThe reviewer submitted proof that Liners checked to an extent. The badge does not prove every claim in the review.
NG · 2 reviews
Oct 1, 2026
SIGN UP ON THIS APP WAS QUITE GREAT NO HASSLES AT ALL.. INTERESTINGLY I WAS REWARDED FOR EVERY STEP OF POINTS WITHDRAWABLE POINTS which can be converted to money
Cardify Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source dataCardify has raised $100K across 1 recorded funding event. The latest was Seed in Jan 2022.
- Total Raised:
- $100K
- Latest Round:
- Seed
Cardify Investors & Funding Rounds
Seed$100,000Jan 2022
Cardify Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source dataFrequently Asked Questions About Cardify
Cardify is a fintech platform that lets you create and fund virtual dollar cards (Mastercard or Visa) for international online payments. You fund them with NGN from Nigerian banks or USDT via Tron wallet, then use the cards for purchases on sites like Spotify, Google, or AliExpress.
The cost to use Cardify depends on the specific service (e.g., virtual dollar card creation and transaction fees like cross-border charges) rather than a single monthly price.
Cardify operates in Nigeria.
Visit app.cardify.co, register with your details, and complete KYC verification.
Yes, Cardify is available on iOS and Android.
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