---
title: "Cardtonic: Gift & Virtual Card App For Africans"
description: "Trade gift cards in Nigeria & Ghana: buy/sell cards, create USD Visa/Mastercard virtual cards, pay local/international bills, and get travel eSIMs."
canonical_url: "https://liners.com/cardtonic"
markdown_url: "https://liners.com/cardtonic.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/cardtonic/screenshot.webp?v=1771635204193"
published_at: "2026-02-21T00:56:40.913Z"
updated_at: "2026-09-22T16:41:22.373Z"
---

# Cardtonic: Gift & Virtual Card App For Africans

Trade gift cards in Nigeria & Ghana: buy/sell cards, create USD Visa/Mastercard virtual cards, pay local/international bills, and get travel eSIMs.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Cardtonic](/cardtonic)

## Summary

Get virtual cards, trade gift cards, pay bills, and shop online

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://cardtonic.com/ |
| Tagline | Get virtual cards, trade gift cards, pay bills, and shop online |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating | 3.9 |
| Published reviews | 5 |
| Verified listing | Yes |

## About the product

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:
- **Gift card trading and purchasing**: Sell unwanted gift cards for cash and buy from **14,000+ local and international gift cards**, covering major brands and categories.
- **Virtual dollar cards**: Create **virtual USD cards (Visa and Mastercard)** to pay for online services and international purchases when local cards face restrictions.
- **Bill payments in multiple currencies**: Pay **local and international bills** (including airtime, data, internet, TV, and electricity) and pay in **Naira or Cedis**, with coverage across **100+ countries**.
- **Travel eSIMs and gadget shopping**: Buy **eSIMs for 140+ countries** and shop **gadgets and electronics** with nationwide delivery in Nigeria.

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [eSIM](/tags/esim): Product feature or technology
- [Gift Cards](/tags/gift-cards): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Ghana](/countries/ghana): Market
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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