Cardtonic is an Africa-focused fintech platform that lets users trade gift cards (sell unused cards for cash and buy over 14,000 local and international gift cards), issue virtual dollar cards, pay bills (airtime, data, electricity, TV, betting), purchase eSIMs in 140+ countries, and shop for gadgets through its Just Gadgets storefront. Cardtonic supports Naira and Cedi settlement for users in Nigeria and Ghana, holds PCI DSS certification, and operates under Nigeria Data Protection Commission (NDPC) oversight. For businesses, Cardtonic offers a Gift Card Developer API (currently waitlist-only) that lets merchants embed gift card purchasing, sales, bulk ordering, inventory, and redemption into websites, mobile apps, and point-of-sale systems.
APIs.json: https://raw.githubusercontent.com/api-evangelist/cardtonic/refs/heads/main/apis.yml
- Type: Index
- Position: Consumer
- Access: 3rd-Party
- Africa
- Bill Payments
- eSIM
- Finance
- Fintech
- Gift Cards
- Ghana
- Nigeria
- Payments
- Virtual Dollar Cards
- Created: 2025-02-08
- Modified: 2026-04-23
The Cardtonic Gift Card Developer API enables merchants and platforms to integrate gift card services into their websites, mobile apps, and point-of-sale systems. The API exposes a catalog of more than 14,000 gift cards for purchase and sale, bulk ordering with instant reporting, inventory and redemption management, and branding/customization hooks. As of 2026 the API is in waitlist mode and developer credentials are issued through Cardtonic on request.
- Human URL: https://cardtonic.com/developer
- Gift Cards
- Fintech
- Payments
Cardtonic Virtual Dollar Cards are user-facing USD-denominated cards that let African customers pay merchants that accept Visa/Mastercard globally. The product is currently consumed through the Cardtonic app and dashboard; programmatic access for partners is available on request alongside the Gift Card Developer API waitlist.
- Human URL: https://cardtonic.com/virtual-dollar-card
- Cards
- Fintech
- Virtual Dollar Cards
Cardtonic Bill Payments cover airtime top-ups, mobile data, electricity, TV subscriptions, and betting wallets across more than 100 countries, consumed through the Cardtonic app and dashboard. Partner access is available on request.
- Human URL: https://cardtonic.com/
- Bill Payments
- Fintech
- Payments
- Website
- Developer
- Dashboard
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- Sign Up
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FN: Kin Lane Email: kin@apievangelist.com