I've bought enough stuff on Jumia, the experience (from ordering to delivery) is ok. The products I've bought though is a different story. I've bought clothes (cue the jokes), shoes, phones and a USB cable. Save for the USB cable which turned out to be a fake one, the rest were ok so you can't go wrong with Jumia. I recently bought a phone on Kilimall. Again, they also deliver but the experiences vary. In this case, I was kept waiting for a while since they are yet to properly synchronise their systems with Posta which they use for delivery if you opt for not using a courier service. Long story short, they do deliver. That one is guaranteed. I've never used a card so I wouldn't know about that. I'm an M-PESA warrior.