How CardSOFT Works
Converting your foreign gift cards into Nigerian Naira is seamless, automated, and secure. Here is everything you need to know.
Choose Your Card & Check Live Rate
Select from our 23+ supported brands (such as Amazon, Steam, Apple, Vanilla, or AMEX). Pick your card's currency (USD, GBP, EUR, CAD, AUD) and specify whether it is a physical plastic card or a digital e-code. Our live system shows your exact guaranteed payout before you submit.
Upload Card Photos or Digital Code
For physical cards, take clear photos of the card showing the card number, PIN, and matching cash receipt (if applicable). For digital vouchers or e-codes, securely input the alphanumeric code. All uploads are stored on private, encrypted disks.
Rapid Human & Automated Verification
Our expert trading desk verifies the authenticity and balance of your card directly with the issuer systems. Over 90% of trades are fully reviewed and approved in under 3 minutes. You can track real-time progress on your transaction timeline.
Instant Wallet Credit & Bank Withdrawal
Once approved, your CardSOFT wallet is credited instantly in Nigerian Naira (NGN). You can immediately withdraw your balance to any Nigerian commercial bank or fintech app (OPay, Kuda, Palmpay). Settlements complete in seconds.
Physical Cards vs. E-Codes: What's the Difference?
Understanding the two formats helps you get the fastest payout and best rate.
Physical Gift Cards
A tangible plastic or paper voucher purchased at a retail store (e.g. Target, Walmart, Best Buy).
- Highest exchange rate: Typically ₦50 - ₦120 higher per unit
- Requires clear photo of the back showing card number & PIN
- Cash receipt matching the card serial number accelerates verification
Digital E-Codes & PINs
Electronic codes bought online and delivered by email or text message (16-digit or claim codes).
- Fastest submission: Type or paste the code directly
- No physical receipt photo required
- Subject to standard issuer redemption & balance check