Cardtonic is an Africa-focused fintech platform, operated by The Tonic Technologies, 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, carries a PCI DSS certification badge, and is registered with the Nigeria Data Protection Commission (NDPC) as a Data Controller of Major Importance under the Nigeria Data Protection Act 2023. For businesses, Cardtonic advertises a Gift Card Developer API (waitlist-only, no published contract) and separately publishes a real OpenAPI 3.0.1 contract for its Business API - business signup, login, 2FA, BVN and corporate KYC, and API-key issuance - through an Apidog-hosted documentation site at docs.cardtonic.com, against the base https://api.cardtonic.com/v1.
Cardtonic publishes 1 API on the APIs.io network: Business API. Tagged areas include Africa, Bill Payments, eSIM, Finance, and Fintech.
Cardtonic’s developer surface includes documentation, API reference, signup flow, engineering blog, support, and 24 more developer resources.
Regulatory Posture applies to this provider. Its tags matched the
Payments regime, so
Regulatory Posture carries 15 points of the composite.
If this regime is wrong for your business, say so on your
provider repo — the
applicability map is public and we will correct it.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it
carries 10 points of the composite. It is scored from the published contracts
themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already
holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in
front of it, and the first time that check is skipped a duplicate record is created.
Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet,
not penalised by it.
The six quality facets above are damped to 75 points between them,
because the conditional facet above carries the other
25. That is why each facet's contribution is shown against a damped
maximum: raising a quality facet moves the composite by 75% of its nominal
weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/cardtonic: open an issue to ask a question, or submit a pull request to add artifacts.
Submit an artifact on GitHub — free →Manage your own listing — the Influence plan, $499/mo →
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 expose...
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 cons...
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...
The Cardtonic Business API is the account, credential and compliance layer of Cardtonic's developer program, and the only Cardtonic surface with a published machine-readable con...
A CANDIDATE tool list derived from Cardtonic's published OpenAPI operations. Cardtonic ships no MCP server of any kind. Nothing below is offered by the provider; each entry inhe...
aid: cardtonic
url: https://raw.githubusercontent.com/api-evangelist/cardtonic/refs/heads/main/apis.yml
name: Cardtonic
description: Cardtonic is an Africa-focused fintech platform, operated by The Tonic Technologies, 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, carries a PCI DSS certification
badge, and is registered with the Nigeria Data Protection Commission (NDPC) as a Data Controller of Major Importance under
the Nigeria Data Protection Act 2023. For businesses, Cardtonic advertises a Gift Card Developer API (waitlist-only, no
published contract) and separately publishes a real OpenAPI 3.0.1 contract for its Business API - business signup, login,
2FA, BVN and corporate KYC, and API-key issuance - through an Apidog-hosted documentation site at docs.cardtonic.com, against
the base https://api.cardtonic.com/v1.
type: Index
kind: company
deliveryModel:
model: saas
open_source: false
commercial: true
callable_host: false
label: Hosted service · you call their endpoint
confidence: medium
source:
- pricing
generated: '2026-08-28'
method: derived
accessModel:
pricing: free
onboarding: approval
trial: false
try_now: false
public: false
label: Free · Requires approval
confidence: medium
source:
- plans
generated: '2026-07-22'
method: derived
position: Consuming
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/cardtonic.png
tags:
- Africa
- Bill Payments
- eSIM
- Finance
- Fintech
- Gift Cards
- Ghana
- Nigeria
- Payments
- Virtual Dollar Cards
created: '2025-02-08'
modified: '2026-09-05'
specificationVersion: '0.23'
apis:
- aid: cardtonic:gift-card-developer-api
name: Cardtonic Gift Card Developer API
description: 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.
humanURL: https://cardtonic.com/developer
tags:
- Gift Cards
- Fintech
- Payments
properties:
- url: https://cardtonic.com/developer
type: Documentation
- url: https://cardtonic.com/developer
type: SignUp
x-features:
- Catalog of 14,000+ local and international gift cards
- Purchase and sale flows for merchant integration
- Bulk ordering with instant reporting
- Inventory and redemption management
- Branding/white-label customization hooks
- Web, mobile, and POS integration patterns
- Waitlist-based onboarding
x-use-cases:
- Rewards and employee recognition platforms
- Remittance and cross-border cash-out flows
- Neobank and wallet gift card storefronts
- Retail POS gift card upsell and resale
- Loyalty and referral programs
- Corporate procurement and bulk gifting
- aid: cardtonic:virtual-dollar-card
name: Cardtonic Virtual Dollar Card
description: 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.
humanURL: https://cardtonic.com/virtual-dollar-card
tags:
- Cards
- Fintech
- Virtual Dollar Cards
properties:
- url: https://cardtonic.com/virtual-dollar-card
type: Documentation
x-features:
- USD-denominated virtual cards for online spending
- Load and settle in Naira/Cedis
- App and dashboard controls for issuance and spend
- PCI DSS certified issuance
x-use-cases:
- Cross-border subscription payments (SaaS, streaming)
- Online shopping on global merchants
- Travel and ad-platform spend for SMBs
- Remote worker payouts
- aid: cardtonic:bill-payments
name: Cardtonic Bill Payments
description: 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.
humanURL: https://cardtonic.com/
tags:
- Bill Payments
- Fintech
- Payments
properties:
- url: https://cardtonic.com/
type: Documentation
x-features:
- Airtime and mobile data top-ups
- Electricity and TV subscription payments
- Betting wallet funding
- 100+ country coverage
- App, web, and dashboard channels
x-use-cases:
- Consumer bill-payment super-app scenarios
- Diaspora bill pay for family members
- Agent-banking and mobile-money integrations
- aid: cardtonic:business-api
name: Cardtonic Business API
description: The Cardtonic Business API is the account, credential and compliance layer of Cardtonic's developer program,
and the only Cardtonic surface with a published machine-readable contract. It covers business-account signup and email
verification, business login, password recovery and change, two-factor enrollment, Nigerian BVN and corporate KYC submission,
file upload, and issuance and retrieval of the PRIV_-prefixed API key a merchant integration authenticates with. Cardtonic
publishes it as OpenAPI 3.0.1 through an Apidog-hosted documentation site at docs.cardtonic.com; the gift-card catalog,
purchase, sale and bulk-order operations advertised on the developer page are NOT part of it and have no published contract.
humanURL: https://docs.cardtonic.com
baseURL: https://api.cardtonic.com/v1
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/cardtonic.png
tags:
- Fintech
- Payments
- Authentication
- KYC
- Nigeria
properties:
- url: openapi/cardtonic-openapi.yml
type: OpenAPI
- url: overlays/cardtonic-business-api-overlay.yaml
type: Overlay
- url: authentication/cardtonic-authentication.yml
type: Authentication
- url: conventions/cardtonic-conventions.yml
type: Conventions
- url: errors/cardtonic-problem-types.yml
type: ErrorCatalog
- url: data-model/cardtonic-data-model.yml
type: DataModel
- url: sandbox/cardtonic-sandbox.yml
type: Sandbox
- url: mcp/cardtonic-mcp.yml
type: MCPServer
- url: skills/_index.yml
type: AgentSkill
- url: https://docs.cardtonic.com
type: APIReference
- url: https://docs.cardtonic.com
type: Documentation
- url: https://cardtonic.com/developer
type: SignUp
x-features:
- Business-account signup with an embedded merchant profile
- Email verification and re-send
- Session-token login, KYC-gated
- Password recovery and change
- Two-factor enable/disable
- Nigerian BVN submission (Central Bank of Nigeria identifier)
- Corporate KYC with shareholder records and document upload
- PRIV_-prefixed API key issuance and retrieval
x-use-cases:
- Onboarding a merchant onto the Cardtonic developer program
- Automating business KYC document submission
- Provisioning and reading integration credentials
x-gaps:
- No securityScheme is declared; the header the token or API key is sent in is not published.
- No revoke or rotate operation for an issued API key.
- No 401, 429 or 5xx response is documented on any operation.
- api.cardtonic.com answered "404 page not found" on the documented paths to an anonymous caller on 2026-09-05; credentials
are issued through the waitlist.
common:
- type: Website
url: https://cardtonic.com/
- type: Developer
url: https://cardtonic.com/developer
- type: DeveloperPortal
url: https://cardtonic.com/developer
- type: Documentation
url: https://docs.cardtonic.com
- type: APIReference
url: https://docs.cardtonic.com
- type: Dashboard
url: https://dashboard.cardtonic.com/
- type: Login
url: https://dashboard.cardtonic.com/signin
- type: SignUp
url: https://dashboard.cardtonic.com/signup
- type: About
url: https://thetonictech.com/about-us
- type: Blog
url: https://cardtonic.com/read
- type: HelpCenter
url: https://help.cardtonic.com/en/
- type: Support
url: https://help.cardtonic.com/en/
- type: Contact
url: https://cardtonic.com/contact-us
- type: StatusPage
url: https://status.cardtonic.com/
- type: TermsOfService
url: https://cardtonic.com/terms
- type: PrivacyPolicy
url: https://cardtonic.com/privacy
- type: X
url: https://x.com/cardtonic
- type: LinkedIn
url: https://www.linkedin.com/company/thetonictech
- type: Instagram
url: https://www.instagram.com/cardtonic
- type: LlmsText
url: https://cardtonic.com/llms.txt
- type: LLMsTxt
url: llms/cardtonic-llms.txt
- type: Conformance
url: conformance/cardtonic-conformance.yml
- type: Compliance
url: conformance/cardtonic-conformance.yml
- type: Lifecycle
url: lifecycle/cardtonic-lifecycle.yml
- type: Packages
url: packages/cardtonic-packages.yml
- type: Plans
url: plans/cardtonic-plans-pricing.yml
- type: RateLimits
url: rate-limits/cardtonic-rate-limits.yml
- type: DomainSecurity
url: security/cardtonic-domain-security.yml
- type: FinOps
url: finops/cardtonic-finops.yml
maintainers:
- FN: Kin Lane
email: kin@apievangelist.com
x-enrichment:
date: '2026-09-05'
status: enriched
artifacts_added: 17
pass: local-v3
Discovery needs no key. Ratings and market analysis are Pro.
Get an API key
Free tier, no form to fill in. Signing in shares your email address with us — we
store it to create your key and to recognise you if you sign in with another
provider. See our Privacy Policy and
Terms.
Kin Score
How this is scored →