Trade gift cards for real value, without the wait.
Cardza is where you sell, buy and exchange gift cards at fair, transparent rates — then use the balance to pay bills, buy airtime, or withdraw straight to your bank.
Today's top rates
LiveBuilt around the moment you actually need cash
Every part of the platform — rates, verification, payout — is designed to remove friction from turning a gift card into spendable money.
Fast verification
Submit your card code or image and get an automated check in seconds, with manual review as backup for edge cases.
Fraud & risk checks
Every transaction runs through risk scoring before payout, so both sides of the exchange are protected.
One wallet, many uses
Hold your balance, track pending vs. available funds, and spend it on bills, airtime or a bank withdrawal.
From gift card to wallet balance in three steps
Pick a card & rate
Choose the brand, denomination and card type from the live catalogue.
Submit for review
Upload the code or a clear photo of the card. Most cards clear automated checks instantly.
Get paid
Funds land in your wallet, ready to withdraw or spend on bills and airtime.
We're building the fastest, fairest way to exchange gift card value.
Cardza Limited started with a simple observation: gift cards represent real value, but turning that value into cash or useful services has always been slow, opaque, or risky. We set out to fix that — with transparent rates, careful verification, and a wallet that actually does something with your balance.
Our mission
Give everyday users a trustworthy, transparent marketplace to convert gift cards into cash or digital services — with fair rates and no guesswork.
How we operate
Every exchange passes through automated and manual verification, fraud and risk checks, and a KYC framework that scales limits with trust — so the platform stays safe as it grows.
Where we've been
Foundation
Core specification for authentication, gift card exchange, wallet and KYC laid out as the base of the platform.
Exchange engine
Catalogue, rate management and submission flow built around real card categories and verification tiers.
Wallet & bills
Wallet ledger, withdrawals and bill payments — airtime, data, TV, electricity — layered on top of the exchange.
Scale & mobile
Compliance audit trail matured alongside plans for a companion mobile application.
Small team, product-obsessed
Product
Platform structure & flow
Engineering
API & security architecture
Compliance
KYC & risk framework
Support
Verification & user care
Everything you need to turn a card into spendable value
One account, four connected products — each built around a specific part of the exchange, from submission to spend.
Gift Card Exchange
Browse the live catalogue, check buy, sell and exchange rates, and submit your card code or image for review. Most submissions clear automated checks in moments, with manual review and fraud screening backing up anything flagged.
Wallet
Every payout lands in your Cardza wallet. Track pending vs. available balance, review your full ledger and transaction history, and withdraw to a verified bank account when you're ready.
Bills & Digital Services
Use your wallet balance for airtime, data, DSTV, GOtv, Startimes and electricity. Betting funding is offered only where it's legally permitted and appropriately licensed in your region.
KYC & Security
Identity verification (including BVN checks where applicable) unlocks tiered limits — the more verified you are, the more you can move. Every account is backed by OTP login, optional 2FA, a transaction PIN and device/session management.
Get an instant estimate before you submit
Pick a brand and card type below to see today's rate. Once you're ready, upload the code or a clear photo of the card and we'll take it from there.
Choose brand & value
Select the gift card brand, card type (physical/e-code) and denomination.
Upload card details
Add the code or a photo of the card, front and back if physical.
Review & submit
Confirm the estimate, agree to the rate, and send it for verification.
Get paid
Once verified, funds are credited to your wallet as available balance.
Sell your gift card
Rates update in real time and vary by card type and condition.