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A fintech app for people in Nigeria and Ghana to buy and sell gift cards, create virtual dollar cards, pay local and international bills, buy eSIMs, and shop gadgets.

Cardtonic is a Nigerian fintech app for individuals in Nigeria and Ghana who want to trade gift cards, make online payments with virtual dollar cards, pay bills, and access travel connectivity.
Key capabilities include:
Available on Web, Android, and iOS.
The product primarily serves B2C users who need a single app for gift card conversion, bill management, and online payments across Nigeria and Ghana.
Founded in 2018, it is notable for combining gift card liquidity, virtual dollar cards, bill payments, and eSIM purchases in one platform tailored to African users navigating cross-border payment and connectivity needs.
As of May 11, 2026, Cardtonic is rated 4.4 on the App Store from 7.6K reviews and 4.5 on Google Play from 21.6K reviews with 1M+ installs.
DD Dave found 2 key people at Cardtonic, including 2 C-Suite. See how we get product data
DD Dave found 4 articles about Cardtonic, from Nov 2025 to Feb 2026. See how we get product data
NG Β· 5 reviews
May 16, 2026
They are the best in what they do. I'm really enjoying the eSIM I got from them right now.
DD Dave found that Cardtonic has raised $2.1M across 1 round. Their latest round was a Seed in Jan 2026. See how we get product data