Cardtonic

About Cardtonic

Cardtonic is a Nigerian fintech platform offering services like virtual dollar cards, eSIMs, gift card trading, bill payments, and gadget shopping. Operated by The Tonic Technologies Ltd., the company has expanded from a consumer-focused product into B2B infrastructure with the development of Pil, a standalone business spending and expense management platform. Pil was created to solve internal challenges with managing subscriptions and cross-border spending, offering businesses multi-card controls, real-time transaction tracking, and multi-currency funding options.