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Cardtonic
One App, Endless Possibilities
Basic Information
Cardtonic is a leading African fintech platform founded in 2018 that enables users to trade, buy, and sell gift cards, obtain virtual dollar cards for international online payments, pay bills, and purchase gadgets. Operating in Nigeria and Ghana, it offers a secure app for converting unused gift cards into Naira or Cedis.
Founder Name
Faturoti Kayode
Role
Co-Founder
LinkedIn URL
https://ae.linkedin.com/in/fattkay
Website
Location
2 Alhaji Yekini Bakare, Lekki Peninsula II, Lekki, Eti-Osa, Lagos.
Revenue Range
Pre-revenue
Email
Startup Stage
Idea
Business Model
NGN
Funding Status
Bootstrapped
Product & Offering
Cardtonic is an African-based financial technology "super app" that provides a unified platform for gift card trading, international payments, and digital utility services. Its service description centers on providing "endless possibilities" for users to manage digital assets and cross-border transactions seamlessly.
Primary Services
Virtual Dollar Cards: Cardtonic provides Visa and Mastercard virtual dollar cards to help users in Nigeria and Ghana bypass local banking restrictions for international online shopping, streaming subscriptions, and advertising payments.
Platinum Card: A premium, NFC-enabled virtual card that can be added to Apple Wallet or Google Wallet for physical "tap-to-pay" store transactions globally.
Gift Card Trading: A secure marketplace for buying and selling over 14,000 local and international gift cards (such as Amazon, Apple, and Steam) at competitive rates.
Digital Utilities: Users can pay for airtime, data, and utility bills (electricity, TV) across more than 140 countries.
Travel eSIMs: Stay connected globally with travel eSIMs available for over 140 destinations directly through the app.
"Just Gadgets" Marketplace: A curated e-commerce section within the app for purchasing authentic tech gadgets like smartphones, laptops, and AirPods at discounted prices with nationwide delivery and warranties.
Key Features
Speed & Reliability: The platform is built for instant settlements, with gift card trades and wallet funding often completed in minutes.
Wallet System: Features a central Naira or Cedi wallet that can be funded via bank transfer or by selling gift cards.
Security: Employs bank-grade encryption, biometric authentication, and two-factor authentication (2FA) to protect user assets and data.
Rewards Program: Users earn points for every successful transaction, which can be converted into cash.
Primary Services
Virtual Dollar Cards: Cardtonic provides Visa and Mastercard virtual dollar cards to help users in Nigeria and Ghana bypass local banking restrictions for international online shopping, streaming subscriptions, and advertising payments.
Platinum Card: A premium, NFC-enabled virtual card that can be added to Apple Wallet or Google Wallet for physical "tap-to-pay" store transactions globally.
Gift Card Trading: A secure marketplace for buying and selling over 14,000 local and international gift cards (such as Amazon, Apple, and Steam) at competitive rates.
Digital Utilities: Users can pay for airtime, data, and utility bills (electricity, TV) across more than 140 countries.
Travel eSIMs: Stay connected globally with travel eSIMs available for over 140 destinations directly through the app.
"Just Gadgets" Marketplace: A curated e-commerce section within the app for purchasing authentic tech gadgets like smartphones, laptops, and AirPods at discounted prices with nationwide delivery and warranties.
Key Features
Speed & Reliability: The platform is built for instant settlements, with gift card trades and wallet funding often completed in minutes.
Wallet System: Features a central Naira or Cedi wallet that can be funded via bank transfer or by selling gift cards.
Security: Employs bank-grade encryption, biometric authentication, and two-factor authentication (2FA) to protect user assets and data.
Rewards Program: Users earn points for every successful transaction, which can be converted into cash.
Key Features
Two-Factor Authentication (2FA), Biometric Authentication (Fingerprint & Face ID), Transaction PIN, Bank-Grade Encryption, KYC (Know Your Customer) Verification, Device Management & Notifications, Secure Socket Layer (SSL) Technology
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