Frequently Asked Questions

CardJoya is a licensed digital currency and gift card exchange platform serving traders across Nigeria and Ghana. We buy international gift cards (Steam, Apple, Razer Gold, Amazon, Vanilla, etc.) and disburse instant local currency (Naira ₦ or Cedis ₵) directly to your bank account or mobile wallet.

You can trade directly through our WhatsApp desk without an account for immediate transactions. Alternatively, downloading our mobile app gives you permanent wallet access, custom rate alerts, and automatic transaction history tracking.

We accept both physical cards (scratched PIN pictures) and electronic codes (e-codes). Physical cards with store receipts (Cash receipt, Debit receipt) generally fetch the highest rates, but clear e-codes are also processed rapidly.

Take a clear, sharp photo showing the entire card including the 4 corners, serial numbers, and revealed PIN code. Upload it directly inside the CardJoya app or send it to our 24/7 WhatsApp agent. Ensure the card is unused before submitting.

Over 95% of transactions are completed and paid out within 2 to 5 minutes. High-volume cards like Steam Wallet and Razer Gold are often paid out in under 2 minutes.

Zero fees. The amount calculated on our live rate calculator is exactly what lands in your bank or MoMo account. We do not charge network withdrawal fees or service commissions.

In Nigeria: Access Bank, GTBank, Zenith Bank, First Bank, UBA, Kuda Bank, OPay, PalmPay, and all CBN-licensed institutions. In Ghana: MTN Mobile Money, Vodafone Cash, AirtelTigo Money, and all commercial Ghanaian banks.

Yes. CardJoya has facilitated over $15 million in verified gift card transactions. Our platform uses 256-bit SSL encryption and strict data protection compliant with NDPR (Nigeria) and the Ghana Data Protection Act.