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.
All your favourite providers are available on Cardtonic so you don’t have to worry about switching.
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.
You can transfer from your local bank account, pay from your wallet and even fund your account with gift cards.
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
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, it’s safe. At Cardtonic, we take major precautions to keep your personal info and transactions locked down tight when paying bills. You can feel totally secure using our system.
You can pay several bills on Cardtonic, including but not limited to: airtime, data, electricity, internet, TV, cable, and many more. We're constantly adding new billers to make paying bills even more convenient.
Simply log into your Cardtonic account, click the bills payment section, select the bill you want to pay, enter your details, and confirm your payment. It’s that simple!
Yes! You can set up recurring payments on Cardtonic for all your bills and kiss late fees goodbye. We promise to have your back regarding hassle-free bill payments, and that’s exactly what we do.
It's simple - open your Cardtonic app to view your transaction history and download receipts. Keep tabs on pending and past bill payments all in one spot.
Yes! You can use your Cardtonic account to pay bills for friends or family and lend them a hand. One less thing for them to stress about.
Yes. Our bill payment feature can be accessed anytime, 24/7. Pay bills on weekends, in the middle of the night - whenever it suits your schedule.
You can pay bills by transferring from your local bank account or funding your account with gift cards.
Yes, you can pay electricity bills online, and Cardtonic is the best platform to do so conveniently.