LinkPay Card

LinkPay Visa and Mastercard Virtual Prepaid Review: Fees, Rewards & Availability

Basic Information

LinkPay is a virtual crypto card platform that bridges cryptocurrency holdings with everyday online spending through instant Visa and Mastercard virtual prepaid cards. Operated by Avior Financial Holdings Ltd, a Canadian-registered Money Services Business, LinkPay targets both individual crypto users and businesses seeking to convert crypto to spendable fiat without traditional exchange-to-bank transfer friction.

The platform emphasizes instant card issuance, multi-currency support, and a tiered subscription model offering competitive cashback rates. Unlike traditional crypto cards requiring staking or long waitlists, LinkPay promises virtual cards "in seconds" with no physical card delays.

Rewards and Benefits

Cashback Structure

LinkPay's cashback program is tier-based, with higher subscription plans offering better rewards:

Cashback applies only to eligible purchase transactions and excludes fees, withdrawals, or declined transactions. Rewards can offset subscription fees or other account charges but cannot be withdrawn directly as cash.

Referral Program

LinkPay operates an affiliate program allowing users to earn from inviting new customers:

• Referrer earnings: Up to 50% of referee's card fees (maximum ~$100 per user)
• Payout method: Earnings credited in USDT to referrer's account
• Referee benefits: Free virtual card on sign-up and fee-free first top-up ≥$50
• Program access: Available to all verified users via dashboard

Additional Benefits

• Zero foreign transaction fees across all plans
• 24/7 customer support via email, Telegram, and WhatsApp
• 3-D Secure authentication for enhanced security
• Multi-card management for teams and different purposes
• Instant issuance with virtual cards created in seconds

Fees and Limits

LinkPay fees are structured around a subscription-based model with significant variations across tiers, where higher plans offer substantially lower transaction costs and additional benefits.

Transaction and Processing Fees

Card-Level Fees

Initial Card Funding Example: Setting up a card with $100 initial balance on the Lite plan requires a total payment of $113.90 ($100 balance + $4.90 card top-up fee + $9 monthly fee).

Spending Limits

Spending limits are verification-based rather than tier-based:

Additional Fees and Limits

• Minimum deposit: ~$15 for card activation
• Card issuance: Included up to monthly allowance per plan
• Inactivity fee: None
• Monthly maintenance: None beyond subscription fee

Card Tiers and Options

LinkPay offers four subscription-based tiers with progressively better features and lower fees:

All tiers provide virtual Visa and Mastercard prepaid cards with 3-D Secure authentication. Cards can be configured as single-use disposable or reloadable for ongoing use.

Top-Up Methods

• Pre-load required: transfer crypto to LinkPay wallet before spending
• Supports BTC, ETH, USDT, USDC, and several other cryptocurrencies
• Top-up via LinkPay app or web dashboard; crypto is auto-converted to fiat balance

Self-Custody Custodial

• Platform holds all crypto after user deposit; users do not control private keys
• Crypto is converted to fiat and stored in a platform wallet before card spending
• If provider disappears, users lose access to both crypto and fiat balances

Supported Currencies and Conversion

LinkPay supports multiple cryptocurrencies for funding with real-time conversion to fiat:

Supported Cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), Tether (USDT), USD Coin (USDC), and several other major cryptocurrencies

Fiat Account Currencies:

• USD (US Dollar)
• EUR (Euro)

Conversion Process:

• Real-time conversion upon crypto deposit
• Exchange rates shown before top-up confirmation
• Fiat balance available immediately after crypto confirmation
• No on-the-fly conversion at point of sale

Geographic Availability

LinkPay is available globally wherever Visa or Mastercard are accepted online, excluding 27 explicitly restricted jurisdictions for compliance purposes.

Restricted Countries and Regions

Americas: Cuba, Nicaragua, United States, Venezuela

Europe: Belarus, Russia, Ukraine

Asia: Afghanistan, Hong Kong, Iran, Iraq, Lebanon, Myanmar, North Korea, Syria, Yemen

Africa: Burundi, Central African Republic, Republic of the Congo, Democratic Republic of the Congo, Côte d'Ivoire, Liberia, Libya, Somalia, South Sudan, Sudan, Zimbabwe

Available Regions

LinkPay serves users in all other countries worldwide, including major markets across Europe, Asia-Pacific, Americas, and Africa. The platform operates under Canadian MSB regulations and requires users to comply with local cryptocurrency and financial services laws.

Important Note: Hong Kong is explicitly restricted while Mainland China is not listed as restricted, representing separate regulatory jurisdictions.

Compliance and Security

Regulatory Framework

LinkPay operates under Canadian Money Services Business regulations:

• FINTRAC registration: M23039048
• Corporate registration: British Columbia, Canada (BC1348268)
• Compliance scope: Anti-money laundering (AML) and counter-terrorism financing (CTF)
• Geographic restrictions: Enforced for 27 prohibited jurisdictions

Security Features

• 3-D Secure authentication for online transactions
• Tokenization for secure payment processing
• Identity verification with biometric liveness checks for unlimited tier
• Transaction monitoring and fraud protection
• Secure card details with CVV, expiration, and OTP email verification

KYC Requirements

Technical Details

Card Technology

• Virtual card format: Digital cards displayed in dashboard and mobile app
• Payment networks: Visa and Mastercard BIN sponsorship
• Authentication: 3-D Secure protocol support
• Tokenization: Supported for secure merchant transactions
• Mobile wallet integration: Apple Pay and Google Pay listed as "coming soon"

Platform Architecture

• Real-time conversion: Crypto to fiat upon deposit
• Multi-currency accounts: USD and EUR denominated balances
• API integration: Standalone platform without direct exchange integrations
• Team management: Dashboard supports multiple users and merchant accounts

User Experience

LinkPay emphasizes speed and convenience with instant virtual card issuance directly through the web dashboard. The platform targets both individual users and business teams, offering multi-card management and team collaboration features.

Onboarding Process:

• Account creation with email verification
• Optional identity verification for higher limits
• Crypto deposit and automatic fiat conversion
• Instant virtual card generation

Dashboard Features:

• Multi-card creation and management
• Real-time transaction monitoring
• Team member access controls
• Merchant account organization

Customer Support:

• 24/7 support claimed via email, Telegram, and WhatsApp
• Dashboard-based ticket system
• FAQ and documentation resources

User Feedback Considerations:
User experiences are notably mixed, with some praising convenience while others report transaction declines and withdrawal difficulties. Potential users should consider starting with lower-tier plans to test service reliability.

Best Suited For

• Digital marketing teams who need multiple virtual cards for ad spend and campaign management
• E-commerce businesses requiring crypto-to-fiat conversion for supplier payments and operational expenses
• International crypto traders who want to spend crypto holdings without traditional exchange-to-bank transfers
• High-volume crypto users seeking competitive cashback rates and minimal fees on the Ultra tier

Pros and Cons

Pros

• Instant virtual card issuance in seconds
• Zero foreign transaction fees across all plans
• Up to 3% cashback on Ultra tier without staking
• Team management features for business users
• Global availability in most major markets

Cons

• Virtual cards only with no physical option
• Monthly subscription fees required for competitive rates
• Mixed user reviews regarding reliability
• Restricted in major markets including US and Hong Kong

Conclusion

LinkPay stands out by offering instant virtual crypto cards with competitive cashback rates and team management features, making it particularly appealing for businesses and digital marketing teams. The platform's subscription-based model provides clear value for high-volume users, especially on the Ultra tier with 3% cashback and zero deposit fees.

However, the service's virtual-only format, monthly subscription requirements, and mixed user feedback regarding transaction reliability may limit its appeal compared to traditional crypto cards. The geographic restrictions, particularly excluding the US market, further narrow its target audience. LinkPay is best suited for international businesses and crypto users who prioritize instant card issuance and team collaboration over physical card access and proven reliability.