---
title: "Tbay: Sell Gift Cards and Pay Bills in Africa"
description: "Sell Steam, iTunes, Amazon & Google Play gift cards for Naira or Cedis, withdraw to Nigerian banks or Ghana MoMo, and pay airtime, data, electricity & TV."
canonical_url: "https://liners.com/tbay"
markdown_url: "https://liners.com/tbay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/tbay/screenshot.webp?v=1771639741300"
published_at: "2026-02-21T09:25:38.262Z"
updated_at: "2026-10-05T14:26:48.196Z"
---

# Tbay: Sell Gift Cards and Pay Bills in Africa

Sell Steam, iTunes, Amazon & Google Play gift cards for Naira or Cedis, withdraw to Nigerian banks or Ghana MoMo, and pay airtime, data, electricity & TV.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Tbay](/tbay)

## Summary

Trade gift cards for cash and pay bills in minutes

A mobile app for consumers in Nigeria and Ghana to sell gift cards for Naira or Cedis, withdraw to bank or mobile money, and pay bills with rewards and 24/7 support.

## Product details

| Field | Value |
| --- | --- |
| Website | https://tbay.store/ |
| Tagline | Trade gift cards for cash and pay bills in minutes |
| Primary country | Nigeria |
| Platforms | Android, iOS, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Tbay is a mobile app for consumers in Nigeria and Ghana who want to sell unused gift cards for cash (Naira or Cedis), withdraw quickly, and handle everyday bill payments in one place.

Key capabilities include:
- **Gift card trading** with two options, **Fast Transaction** for direct sales without picking a vendor, or **peer-to-peer trading** with **verified vendors** and **escrow protection**.
- **Fast payouts** to local rails, including withdrawals to **Nigerian bank accounts** and **Ghana Mobile Money (MoMo)**.
- **Bill payments** for **airtime**, **data**, **electricity**, and **TV** from supported providers in Nigeria, with cashback-style rewards mentioned for some transactions.
- **Rewards and incentives** such as **welcome bonuses**, **daily check-ins**, **spin-style rewards**, **referrals**, VIP tiers, and periodic **flash deals**.

Available on **Android and iOS**.

It primarily serves **B2C users** converting popular gift cards (including brands such as Steam, iTunes, Amazon, and Google Play) into local currency, plus anyone looking to pay bills and earn in-app rewards.

In the Nigerian and Ghanaian market context, it highlights **trade safety measures** such as vendor verification, **escrow**, and a **30,000 Tbay Points vendor deposit**, alongside 24/7 support via AI chat or live agents, and a large stated user base (over 1.3 million).

## Features

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

## Related pages

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

## Access and citation

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