Just Gadgets
Buy affordable gadgets from the comfort of your favourite app.
Virtual Dollar Card
Shop online, pay for services, or make international purchases.
Sell Gift Cards
Exchange unused gift cards for cash at amazing rates.
Bill Payment
Buy airtime, data, and pay utilities in 100+ countries.
Buy Gift Cards
Buy over 14,000+ local and international gift cards.
Virtual Bank Account
Open a Naira bank account for easy transactions.
Universal eSIM
Buy local and international eSIM with local payment methods.
Developer API
Integrate gift card services into your platform.
Blog
Get the latest news, articles, and updates from Cardtonic.
Rate Calculator
Check how much you get for your gift cards.
Upskill
MacBooks giveaway contest for tech enthusiasts.
#CTGivesBack
Learn about our community give-back initiatives.
Get In Touch
Reach out to us or follow us on social media.
With Cardtonic, you can now manage and pay all your essential bills in one place. Be it airtime, data, internet, TV, electricity and much more.
With Cardtonic, you can organise and pay all your essential bills in one place. Find the available categories below.
Find your favourite billers in one place, so you don’t have to switch apps. Availability depends on the country your account is registered in.
Managing your bills has never been this simple and secure. With Cardtonic, you can enjoy the following benefits:
Wave goodbye to paying bills on multiple apps; Cardtonic offers a consolidated system to sort out all your bills.
Never miss a payment on Cardtonic. You will always receive reminders and push notifications about upcoming payments and subscriptions.
Transfer from your local bank account, fund your account with gift cards, or pay straight from any eligible Cardtonic wallet balance, including USD.
Set a recurring payment date, and your account will automatically be debited for that particular bill as scheduled.
I paid my DSTV subscription via the app and it reflected immediately. Kudos.
App Store
I paid my electricity bill on the app and got 10% cashback, just like that! The funny thing is, I didn’t even know there was a promo going on. Weldone Cardtonic.
App Store
Cardtonic is my go-to anytime I need to buy airtime, pay for electricity, or sort my cable TV. It’s just so easy to use.
App Store
I use Cardtonic to buy data almost every day. It’s fast and reliable.
App Store
Ever since I started using Cardtonic to fund my betting wallet, I have never looked back. The process is so easy!
App Store
I paid my DSTV subscription via the app and it reflected immediately. Kudos.
App Store
I paid my electricity bill on the app and got 10% cashback, just like that! The funny thing is, I didn’t even know there was a promo going on. Weldone Cardtonic.
App Store
Cardtonic is my go-to anytime I need to buy airtime, pay for electricity, or sort my cable TV. It’s just so easy to use.
App Store
I use Cardtonic to buy data almost every day. It’s fast and reliable.
App Store
Ever since I started using Cardtonic to fund my betting wallet, I have never looked back. The process is so easy!
App Store
Yes. Cardtonic uses security measures to protect your account and transactions, so you can pay your bills with confidence.
Yes. Pay bills for yourself or someone else and take one less thing to stress about. Just enter the required details, choose your wallet, and complete the payment.
You can pay supported local bills such as electricity, airtime, data, cable TV, internet, and other available services. The bills available to you depend on your registered market.
Yes. Our bill payment feature is available anytime and can be accessed 24/7. Pay your bills on the weekend, in the middle of the night, or whenever it suits you.
Select the bill you want to pay, enter the required details and amount, choose your preferred wallet, and confirm your payment.
You can pay from any supported Cardtonic wallet. You can also fund your wallet through a local bank transfer, sell a gift card and use the proceeds, or top up your USD Wallet. If currency conversion is needed, Cardtonic handles it automatically.
You can view your bill payment history in the Cardtonic app to check your transactions and their status. You can also download your payment receipt whenever you need it.
Yes. You can pay supported electricity bills directly through the Cardtonic app. Simply select your electricity provider, enter the required details, choose your wallet, and complete the payment.
