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LinkPay Card

Updated: Aug 28, 2026

The LinkPay Card is a crypto-funded virtual card system provided by LinkPay, designed for individuals, ad-buying teams, and business users. The platform offers multiple BINs on Visa and Mastercard, allowing users to fund their accounts and cards with digital assets such as USDT and BTC, and provides different virtual cards tailored for advertising, everyday spending, subscriptions, and mobile wallets. It currently supports 3D Secure, recurring payments, online shopping, and contactless spending via Apple Pay and Google Pay for some card types.
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Confirmed unavailable on App Store
Card network
Mastercard / Visa
Product type
Crypto prepaid card
Card form
Virtual card
Operating status
Active
KYC level
Tiered KYC
Commercial relationship
No commercial relationship
Risk score
60-69
Supported assets
USDT / USDC / BTC / ETH / BNB / TRX / LTC
Last updated
Aug 28, 2026

Official and company information

Issuer identity and company credentials

LinkPay is a fintech platform operated by AVIOR FINANCIAL HOLDINGS LIMITED in Canada, primarily providing virtual Visa/Mastercard cards, crypto top-ups, online spending, team card management, and merchant payment services. It serves individuals, ad teams, cross-border payment users, and SMBs, supporting USDT, BTC, and other digital assets for card top-ups, used for subscriptions, ad accounts, online shopping, and daily payments. The website discloses its operator as a FINTRAC-registered MSB with registration number M23039048, but FINTRAC registration itself does not constitute a financial license or official endorsement.
Visit website Application page
Company / issuer
LinkPay
Legal name
AVIOR FINANCIAL HOLDINGS LIMITED
Registered region
Canada (CA)
Headquarters
Canada
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

LinkPay integrates crypto wallets, virtual cards, and team expense management on a single platform. After topping up digital assets, users can select different payment purposes and BINs to create virtual cards, and view card numbers, billing addresses, CVVs, 3DS OTPs, and transaction statuses in the dashboard. The current official card series include Facebook Ads Card, Google Ads Card, Multi Ads Card, Linkpay Card, eWallet Card, and Daily Card (Omni). The platform employs tiered identity verification: low-limit ad cards can be used without any verification level, while higher spending limits and all card types require Basic or Unlimited verification. Account plans also determine top-up fees, chargeback fees, the number of free cards, and cashback ratios.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

Facebook Ads virtual card
LinkPay Google Ads Virtual Card
LinkPay Multi-platform Advertising Virtual Card
LinkPay General virtual card
E-wallet virtual card
Daily Card (Omni)
Card formVirtual cardVirtual cardVirtual cardVirtual cardVirtual cardVirtual card
Fees
Monthly fee
Free
Free/US$59/US$179/US$209, selected according to the account plan.
Free
Selected according to the account plan: free/US$59/US$179/US$209.
Free
Selected according to the account plan.
—
Free
Selected according to the account plan.
Free
Card issuance fee——————
ATM fee——————
Foreign exchange fee——————
Top-up fee
1%
0%–1%, depending on the plan and card type.
1%
Depending on the plan and card type: 0%–1%.
1%
Depending on the plan and card type, ranging from 0%–1%.
1%
0%–1%, depending on the plan and card type.
1%
Depending on the plan and card type.
1%
Depending on the plan and card type, ranging from 0%–1%.
Failed transaction fee
2%
1%–2%, depending on the account plan.
2%
Depending on the account plan: 1%–2%.
2%
Depending on the account plan, ranging from 1%–2%.
2%
1%–2%, depending on the account plan.
2%
Depending on the account plan.
2%
Depending on the account plan, ranging from 1%–2%.
Rewards
Cashback
3%
0%–3%, depending on the plan and eligible spending.
3%
Depending on the plan and eligible spending: 0%–3%.
3%
Depending on the plan and eligible spending, ranging from 0%–3%.
3%
0%–3%, depending on the plan and eligible spending.
3%
Depending on the plan and eligible spending.
3%
Depending on the plan and eligible spending, ranging from 0%–3%.
Crypto cashback——————
Staking rewards——————
Staking APR——————
Welcome bonus——————
Referral bonus
50%
Up to a 50% fee share on fees generated by referred users.
50%
Up to a 50% fee share on fees generated by referred users.
50%
Up to a 50% fee share on fees generated by referred users.
50%
Up to a 50% fee share on fees generated by referred users.
50%
Fees generated by referred users.
50%
Up to a 50% fee share on fees generated by referred users.
Limits
Daily spending limit——————
Monthly spending limit
2,000 USD
US$500/US$2,000/unlimited, depending on verification level.
2,000 USD
Depending on verification level: US$500/US$2,000/unlimited.
2,000 USD
Depending on verification level: US$500, US$2,000, or unlimited.
—
2,000 USD
Depending on verification level.
2,000 USD
Depending on verification level, ranging from US$500/US$2,000/unlimited.
ATM withdrawal limit——————
Card network
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

165
AndorraADMacaoMOTaiwanTWMoroccoMABarbadosBBSt. LuciaLCNepalNPEquatorial GuineaGQGermanyDELiechtensteinLIAntigua & BarbudaAGEl SalvadorSVNigerNEPapua New GuineaPGLithuaniaLTSwitzerlandCHSingaporeSGPhilippinesPHUgandaUGRwandaRWKenyaKEPalauPWTuvaluTVDominican RepublicDOEswatiniSZGuineaGNSan MarinoSMMexicoMXSurinameSRBahamasBSPortugalPTIcelandISMicronesiaFMThailandTHTanzaniaTZMauritaniaMRRomaniaROSamoaWSOmanOMTrinidad & TobagoTTCroatiaHRNew ZealandNZSão Tomé & PríncipeSTBrazilBRFijiFJSwedenSEMongoliaMNBotswanaBWLatviaLVSolomon IslandsSBArgentinaARSpainESAzerbaijanAZPanamaPABelizeBZTogoTGEcuadorECChinaCNFranceFRUnited Arab EmiratesAESenegalSNKyrgyzstanKGPakistanPKBahrainBHCosta RicaCRHungaryHUKuwaitKWGuyanaGYSloveniaSIChadTDDominicaDMNetherlandsNLMaldivesMVTongaTOMauritiusMUGrenadaGDSlovakiaSKVanuatuVUNorth MacedoniaMKJamaicaJMChileCLGeorgiaGESri LankaLKBelgiumBECyprusCYSerbiaRSGuinea-BissauGWMadagascarMGItalyITMozambiqueMZJordanJOUzbekistanUZTimor-LesteTLMoldovaMDDjiboutiDJNorwayNOBoliviaBOIndiaINEritreaERUruguayUYParaguayPYAngolaAOLaosLAMalaysiaMYSt. Kitts & NevisKNMalawiMWCambodiaKHGhanaGHIsraelILEthiopiaETTunisiaTNCameroonCMTurkmenistanTMEstoniaEESaudi ArabiaSAZambiaZMPeruPEGambiaGMMontenegroMEJapanJPIndonesiaIDNauruNRDenmarkDKMaliMLTajikistanTJCanadaCABhutanBTBurkina FasoBFBeninBJNigeriaNGAustriaATSouth AfricaZACzechiaCZIrelandIEQatarQAMaltaMTComorosKMGreeceGRSeychellesSCTürkiyeTRNamibiaNAColombiaCOAustraliaAUHondurasHNBulgariaBGBruneiBNSierra LeoneSLUnited KingdomGBSt. Vincent & GrenadinesVCPolandPLLesothoLSGabonGAMarshall IslandsMHFinlandFILuxembourgLUCape VerdeCVBangladeshBDMonacoMCEgyptEGKiribatiKIAlbaniaALKazakhstanKZVietnamVNHaitiHTGuatemalaGT
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

27
ZimbabweZWSouth SudanSSVenezuelaVEYemenYEBurundiBICongo - KinshasaCDSomaliaSOSudanSDRussiaRUIraqIQCôte d’IvoireCISouth KoreaKRNorth KoreaKPCubaCUIranIRLibyaLYUkraineUAAfghanistanAFMyanmar (Burma)MMLiberiaLRUnited StatesUSLebanonLBBelarusBYHong KongHKCentral African RepublicCFSyriaSYNicaraguaNI
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

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。

Updated: Jul 27, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Tiered KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / Driver's license / National ID

Review time / regional limits

Automated verification is fast; system rejections or abnormal documents go to manual review.

KYC provider

Specific third-party provider not explicitly disclosed

Updated

Jul 27, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview13 scenarios
Supported10
Not supported3
UpdatedJul 27, 2026

Wallet payments

Alipay

Not supported

Jul 27, 2026

Wallet payments

Apple Pay

Supported

Jul 10, 2026

Wallet payments

Apple Pay

Supported

Jul 10, 2026

Cash services

ATM withdrawal

Not supported

Jul 10, 2026

AI tools

ChatGPT

Supported

Jul 10, 2026

AI tools

Claude

Supported

Jul 10, 2026

Wallet payments

Google Pay

Supported

Jul 10, 2026

AI tools

Midjourney

Supported

Jul 10, 2026

In-person payments

Offline POS

Supported

Jul 10, 2026

Online shopping

Online shopping

Supported

Jul 10, 2026

Wallet payments

PayPal

Supported

Jul 10, 2026

Subscriptions

Subscription payment

Supported

Jul 10, 2026

Wallet payments

WeChat Pay

Not supported

Jul 27, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Matteo Lemmenstrustpilot★ 3 / 5

Had a small panic when a declined…

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.
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nategoogle_play★ 1 / 5

LinkPay Google Play review - 1 star

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.
View original
Francesca Bianchitrustpilot★ 3 / 5

The card itself is great and…

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.
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Luano Escalante Alaniztrustpilot★ 3 / 5

I've withdrawn a few times now

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.
Official reply
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
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Kian Woodstrustpilot★ 3 / 5

The card works for what I need and KYC…

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.
Official reply
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
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Jennytrustpilot★ 3 / 5

Had a small panic when a declined…

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.
Official reply
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
View original
Govindatrustpilot★ 1 / 5
fake website payment nhi deti
Official reply
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
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One spoonegoogle_play★ 5 / 5

LinkPay Google Play review - 5 star

nice
View original
Laimonas Naradauskastrustpilot★ 1 / 5

Nice website design, horrible service.

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.
Official reply
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
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Abuzar jutttrustpilot★ 1 / 5

Scam Please be aware and don't use…

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
Official reply
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
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Risk factors

Updated: Jul 12, 2026

No risk factors are available