Card database / Mastercard / Visa / Crypto prepaid card

LinkPay Card

Updated: Sep 11, 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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Card network
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: USDTUSDCBTCETHBNBTRXLTC
Last updated: Sep 11, 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.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when 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

	LLinkpay Facebook Ads Card	LLinkpay Google Ads Card	LLinkPay Multi Ads Card	LLinkpay card	LLinkpay eWallet Card	LLinkpay Daily Card (Omni)
Card form	Virtual card	Virtual card	Virtual card	Virtual card	Virtual card	Virtual 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 language support

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

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

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Cannot use，The United States is explicitly prohibited by LinkPay for citizens, residents, U.S. IP addresses and U.S. phone numbers.

2. United Kingdom：Can apply，Can use，Without verification only advertising cards are available with a $500 monthly spend limit; broader card access requires identity and address verification.

3. Canada：Can apply，Can use，Without verification only advertising cards are available with a $500 monthly spend limit; broader card access requires identity and address verification.

4. Australia：Can apply，Can use，Without verification only advertising cards are available with a $500 monthly spend limit; broader card access requires identity and address verification.

5. South Africa：Can apply，Can use，Without verification only advertising cards are available with a $500 monthly spend limit; broader card access requires identity and address verification.

6. New Zealand：Can apply，Can use，Without verification only advertising cards are available with a $500 monthly spend limit; broader card access requires identity and address verification.

7. Ireland：Can apply，Can use，Without verification only advertising cards are available with a $500 monthly spend limit; broader card access requires identity and address verification.

Updated: Sep 11, 2026

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

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

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first

Matteo Lemmenstrustpilot★ 3 / 5Aug 14, 2026

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 / 5Aug 9, 2026

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 / 5Jul 30, 2026

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 / 5Jul 15, 2026

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

View original

Kian Woodstrustpilot★ 3 / 5Jul 15, 2026

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 / 5Jul 5, 2026

Had a small panic when a declined…

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

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Govindatrustpilot★ 1 / 5Jun 12, 2026

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 / 5May 28, 2026

LinkPay Google Play review - 5 star

nice

View original

Laimonas Naradauskastrustpilot★ 1 / 5May 26, 2026

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 / 5Apr 2, 2026

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

Frequently asked questions

Answers drawn from the published record on this page.

Does LinkPay Card require KYC?

Our record lists the LinkPay Card verification requirement as: Tiered KYC. Document and review details are in the KYC section of this page.

Does LinkPay Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up LinkPay Card with?

Our record lists LinkPay Card support for: USDT, USDC, BTC, ETH, BNB, TRX, and LTC.

Is LinkPay Card a virtual or a physical card?

LinkPay Card is offered as: Virtual card.

Where is LinkPay Card available?

Our record lists 165 countries or regions as available and 27 as restricted. Country-by-country status is in the regions section of this page.

Who issues LinkPay Card?

LinkPay Card is operated by LinkPay on the Mastercard / Visa network.