可申请地区
支持申请或可正常开卡使用
165条
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- 证据来源
- 官方支持
- 更新时间
- 2026/07/10

最近更新:2026/07/27
LinkPay Card 是由 LinkPay 提供的加密资产充值型虚拟支付卡体系,面向个人、广告投放团队及企业用户。平台提供 Visa 和 Mastercard 多组 BIN,可使用 USDT、BTC 等数字资产为账户及卡片提供资金,并针对广告、日常消费、订阅和移动钱包设计不同虚拟卡。当前支持 3D Secure、循环付款、线上购物以及部分卡种的 Apple Pay、Google Pay 非接触消费。
发行方与公司资质概览
LinkPay 是由加拿大 AVIOR FINANCIAL HOLDINGS LIMITED 运营的金融科技平台,主要提供虚拟 Visa / Mastercard 卡、加密资产充值、线上消费、团队用卡和商户支付相关服务。该机构面向个人用户、广告投放团队、跨境支付用户和中小商户,支持使用 USDT、BTC 等数字资产为虚拟卡充值,并用于订阅、广告账户、线上购物和日常支付场景。官网披露其运营主体为加拿大 FINTRAC 注册 MSB,注册号为 M23039048,但 FINTRAC 注册本身不等于金融牌照或官方背书。
LinkPay 将加密钱包、虚拟卡和团队费用管理整合在同一平台。用户充值数字资产后,可选择不同支付用途和 BIN 创建虚拟卡,并通过后台查看卡号、账单地址、CVV、3DS OTP 和交易状态。当前正式卡片系列包括 Facebook Ads Card、Google Ads Card、Multi Ads Card、Linkpay card、eWallet Card 与 Daily Card (Omni)。平台采用分级身份验证:低额度广告卡可在无验证等级使用,更高消费额度和全部卡种需要 Basic 或 Unlimited 验证。账户方案同时决定充值、拒付费用、免费卡数量和返现比例。
不同卡片形态与等级的费用结构对比,固定费用项目横向查看
按住或滑动表格任意区域,左右查看全部卡片;左侧项目保持固定
L Linkpay Facebook Ads Card | L Linkpay Google Ads Card | L LinkPay Multi Ads Card | L Linkpay card | L Linkpay eWallet Card | L Linkpay Daily Card (Omni) | |
|---|---|---|---|---|---|---|
| 卡片类型 | 虚拟卡 | 虚拟卡 | 虚拟卡 | 虚拟卡 | 虚拟卡 | 虚拟卡 |
| 费用 | ||||||
| 月费 | 免费 免费/US$59/US$179/US$209,按账户方案选择 | 免费 按账户方案选择:免费/US$59/US$179/US$209 | 免费 按账户方案选择 | — | 免费 按账户方案选择 | 免费 |
| 开卡费 | — | — | — | — | — | — |
| ATM 取现费 | — | — | — | — | — | — |
| 外汇费 | — | — | — | — | — | — |
| 充值费 | 1% 0%–1%,按方案及卡种执行 | 1% 按方案及卡种执行:0%–1% | 1% 按方案及卡种执行,范围0%–1% | 1% 按方案及卡种执行,0%–1% | 1% 按方案及卡种执行 | 1% 按方案及卡种执行,范围0%–1% |
| 交易失败费 | 2% 1%–2%,按账户方案执行 | 2% 按账户方案执行:1%–2% | 2% 按账户方案执行,范围1%–2% | 2% 按账户方案执行,1%–2% | 2% 按账户方案执行 | 2% 按账户方案执行,范围1%–2% |
| 奖励 | ||||||
| 返现 | 3% 0%–3%,按方案及合格消费 | 3% 按方案及合格消费:0%–3% | 3% 按方案及合格消费,范围0%–3% | 3% 按方案及合格消费,0%–3% | 3% 按方案及合格消费 | 3% 按方案及合格消费,范围0%–3% |
| 加密货币返现 | — | — | — | — | — | — |
| 质押奖励 | — | — | — | — | — | — |
| 质押年利率 | — | — | — | — | — | — |
| 欢迎奖金 | — | — | — | — | — | — |
| 推荐奖金 | 50% 最高50%费用分成,推荐用户产生费用 | 50% 推荐用户产生费用,最高50%费用分成 | 50% 推荐用户产生费用,最高50%费用分成 | 50% 推荐用户产生费用,最高50%费用分成 | 50% 推荐用户产生费用 | 50% 推荐用户产生费用,最高50%费用分成 |
| 限制 | ||||||
| 每日支出 | — | — | — | — | — | — |
| 每月支出 | 2,000 USD US$500/US$2,000/不限,按验证等级区分 | 2,000 USD 按验证等级区分:US$500/US$2,000/不限 | 2,000 USD 按验证等级区分,有US$500、US$2,000、不限 | — | 2,000 USD 按验证等级区分 | 2,000 USD 按验证等级区分,范围US$500/US$2,000/不限 |
| ATM 取款 | — | — | — | — | — | — |
| 卡片网络 |
不同形态费用可能因地区、卡片等级和官方政策变化,请以最新官方资料为准。
以下按地区申请状态整理公开资料、官方政策和用户反馈,不构成办卡建议。
支持申请或可正常开卡使用
165条
不支持或受限开户/功能
27条
资料不足,状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆:可注册并申请符合当前账户等级的 LinkPay 虚拟卡;已发行卡主要用于 Visa/Mastercard 线上消费,移动钱包功能按具体卡种开放。
2、香港:不支持申请,香港居民、公民、当地 IP 和电话号码均在现行禁止服务范围内,不能正常注册及使用 LinkPay 平台服务。
3、澳门:可注册并申请符合账户等级的虚拟卡;已发行卡可用于对应 Visa/Mastercard 的线上国际商户及其他允许的支付场景。
4、台湾:可注册并申请符合账户等级的 LinkPay 虚拟卡;已发行卡可用于支持相应 Visa/Mastercard 的线上商户及订阅服务。
1、中国大陆:可注册并申请符合当前账户等级的 LinkPay 虚拟卡;已发行卡主要用于 Visa/Mastercard 线上消费,移动钱包功能按具体卡种开放。
2、香港:不支持申请,香港居民、公民、当地 IP 和电话号码均在现行禁止服务范围内,不能正常注册及使用 LinkPay 平台服务。
3、澳门:可注册并申请符合账户等级的虚拟卡;已发行卡可用于对应 Visa/Mastercard 的线上国际商户及其他允许的支付场景。
4、台湾:可注册并申请符合账户等级的 LinkPay 虚拟卡;已发行卡可用于支持相应 Visa/Mastercard 的线上商户及订阅服务。
开户前需完成身份验证,以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
分级 KYC
居住证明
需要
护照、驾照、国家身份证
自动验证可较快完成,系统拒绝或异常资料会转入人工复核
未明确公示具体第三方服务商
2026/07/27
查看各类支付场景的支持状态及更新时间,便于您快速了解当前可用性。i
兼容性概览
共 13 项场景支持
10项
不支持
3项
数据更新时间
2026/07/27
钱包支付
更新时间 2026/07/10
钱包支付
更新时间 2026/07/10
钱包支付
更新时间 2026/07/10
钱包支付
更新时间 2026/07/10
AI 工具
更新时间 2026/07/10
订阅服务
更新时间 2026/07/10
AI 工具
更新时间 2026/07/10
AI 工具
更新时间 2026/07/10
线上购物
更新时间 2026/07/10
线下支付
更新时间 2026/07/10
现金服务
更新时间 2026/07/10
钱包支付
更新时间 2026/07/27
钱包支付
更新时间 2026/07/27
展示最新 10 条已批准入库、并已匹配当前卡片的评论
Had a small panic when a declined payment left an amount "pending," thought I'd lost it. Reached out on Telegram, they explained it was a merchant authorization hold and it released on its own a few days later. Glad it resolved, but I'd love it if the app labeled pending holds more clearly so people don't worry.
后台 AI 中文翻译待生成
I can't believe you think you have the right to siphon this much money from your users over stupid stuff blown out of proportion. Top up fee, transaction fee, monthly subscription, card subscription. You must be playing.
我不敢相信你认为你有权因为一些被夸大其词的事情从用户那里抽取这么多钱。充值费、交易费、月订阅费、卡片订阅费。你一定是在开玩笑。
The card itself is great and withdrawals do process. I just didn't realize there'd be a fee on moving money out until I checked the plan details. That's on me partly, but I'd have liked it more obvious. Money arrived fine, no issues there. every withdrawal has eventually landed. The frustrating part is not knowing whether it'll be a few hours or a few days.
后台 AI 中文翻译待生成
I've withdrawn a few times now. The newer ones reached me within about a day, which is a real improvement, but I've also had one sit longer when it went into review. Reliable overall, just don't count on it being same-minute. Fair service for the price.
后台 AI 中文翻译待生成
Thank you for highlighting the improvement part as well as the facts you feel we need to level u our service at. With all the best, LinkPay Team
The card works for what I need and KYC was straightforward. Support did help me in the end but the first reply took longer than I'd like. Once I got a real person on Telegram they sorted it. Three stars feels fair — functional, room to grow.
后台 AI 中文翻译待生成
Thanks for the feedback, it's true that sometimes not everything may go as expected. Despite that, we're grateful for being pointed out the things we can grow at, and we'll try our best to provide our customers with the needed support along the way. -- LinkPay Team
Had a small panic when a declined payment left an amount "pending," thought I'd lost it. Reached out on Telegram, they explained it was a merchant authorization hold and it released on its own a few days later. Glad it resolved, but I'd love it if the app labeled pending holds more clearly so people don't worry.
后台 AI 中文翻译待生成
Thank you so much for taking the time to share this, and for reaching out to us on Telegram rather than assuming the worst — we know a "pending" hold can be a genuinely stressful moment. You're absolutely right that a merchant authorization hold on a declined payment should never leave anyone guessing, and your point about labeling these holds more clearly is exactly the kind of feedback that helps us get better. We're glad it resolved, and we've passed your note along to the team LinkPay Team
fake website payment nhi deti
后台 AI 中文翻译待生成
Hello, and thank you for your feedback. We're sorry that you feel this way. We'd like to gently clarify, however, that there's no ground for the accusation that LinkPay is "fake" — we are a fully operational payment service, and every withdrawal is processed. We've recently upgraded our withdrawal system, and payouts now typically arrive within 24 hours. Please note that we review each withdrawal manually for security, so in some cases processing can take up to 10 working days. If your payout hasn't reached you yet, we'd be glad to look into it right away. Please reach out to us via onsite support widget or Telegram with your account email or transaction ID, and we'll resolve it as quickly as possible. Kind regards, The LinkPay Team
nice
不错
Nice website design, but that's about all the positive I have to say about LinkPay. Very high fees for everything, card doesn't work all the time. High fees and manual withdrawal that takes 10 business days, shocking.
后台 AI 中文翻译待生成
Hello, and thank you for the honest feedback — we appreciate the kind words on the design, and we take the rest just as seriously. On withdrawals: we review each one manually for security, which is why processing can take longer. We've recently upgraded the system, and payouts now typically arrive within 24 hours, though the manual check means it can occasionally take up to 10 business days. We know the wait isn't ideal, and we're continuing to work on speeding it up without compromising security. On the card not working consistently — this isn't something we want any user to experience, and we'd really like to look into it. If you can reach our support via onsite widget or Telegram with your account email, we'll investigate the declines directly. We also hear you on the fees, and though we understand that basic plans may not suit everyone, we offer various subscription plans as well as special fee structure depending on the client’s monthly spending volume. Thank you again for taking the time — we'd genuinely like the chance to improve your experience. Kind regards, The LinkPay Team
Scam Please be aware and don't use their card they charge high fees for card but give scam in return i'm using on tiktok cut 10usd for verification but after a month i don't receive any return
后台 AI 中文翻译待生成
Hello, and thank you for reaching out — we're sorry to hear about your experience, though we'd respectfully note there's no ground for calling LinkPay a scam. The $10 charge you mention is most likely a card verification charge applied by the merchant (in this case TikTok) to confirm your card, rather than a payment to LinkPay. Depending on the platform, these verification charges behave differently, and they aren't always funds that LinkPay is able to return directly. We'd genuinely like to look into exactly what happened on your account. Please reach our support via the onsite widget or Telegram with your account email, and we'll trace the transaction and explain precisely where the $10 went. Kind regards, The LinkPay Team
更新时间:2026/07/12
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