Cardtonic

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 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.
type: Index
kind: company
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: Consumer
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: '2026-04-23'
specificationVersion: '0.19'
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
  - url: openapi/cardtonic-openapi.yml
    type: OpenAPI
  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
common:
- type: DomainSecurity
  url: security/cardtonic-domain-security.yml
- type: Website
  url: https://cardtonic.com/
- type: Developer
  url: https://cardtonic.com/developer
- type: Dashboard
  url: https://dashboard.cardtonic.com/
- type: Login
  url: https://cardtonic.com/login
- type: Signup
  url: https://cardtonic.com/register
- type: About
  url: https://cardtonic.com/about
- type: Blog
  url: https://cardtonic.com/blog
- type: FAQ
  url: https://cardtonic.com/faq
- type: Contact
  url: https://cardtonic.com/contact
- 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/cardtonic
- type: Instagram
  url: https://www.instagram.com/cardtonic/
- type: LlmsText
  url: https://cardtonic.com/llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com