Monetiro231 services on the ledger · last checked September 12, 2026
ENRU
≥$3.00/$100
Who forTake it?CostsPlatformsHow it worksContradictionsHow we checked
Cards for ad spend
LinkPay

LinkPay

Visa · MCsince 2024Solo buyerTeamAgency
Asks for everythingIssues reported

Before you go. Readers have reported problems with this service.

LinkPay is a Canadian-registered issuer of crypto-funded virtual Visa and Mastercard numbers sold on a monthly subscription rather than per card: Lite free, Plus $59, Pro $179, Ultra $209, with the plan deciding deposit and decline fees, included team seats and how many cards are free each month. It targets solo buyers and buying teams paying Meta, Google, Bing, TikTok, Reddit, LinkedIn, X and Taboola out of a crypto balance, and adds a free API, per-card limits and a white-label issuing programme for agencies. The headline is 3% cashback on Ultra, which is capped at $299 per billing cycle, cannot be withdrawn, expires after twelve months and is forfeited if the account is suspended.

Total, per $100 of ad spend: ≥$3.00per $100 of ad spend

At least one component of the price is not published, so the real figure can only be higher.

Open linkpay.ioNot a paid link: we earn nothing either way.

Who it is for

Buyers who want a zero-cost entry plan with a free API and in-dashboard 3DS, and who will price the unpublished card top-up commission themselves before scaling spend.

Whether to take LinkPay

In its favour

  • The operator is a checkable company: AVIOR FINANCIAL HOLDINGS LIMITED appears in FINTRAC's public MSB registry as M23039048, registered since February 2023, with a British Columbia incorporation dated 2022.
  • 3-D Secure codes appear in the dashboard itself and are mirrored to email, a Telegram bot and push notifications, so a payment does not depend on a SIM card the buyer does not hold.
  • The API is free on every plan, including the $0 Lite tier, and covers issuing, topping up, closing cards and setting limits.
  • Team seats are included in the plan rather than sold separately — 3 on Lite, 5 on Plus, 20 on Pro, 50 on Ultra — with per-member access levels and spending limits on individual cards.
  • Transaction reports for any timeframe can be exported from the account at no cost, which the Terms of Service state in as many words.

Against it

  • The two fees that decide the unit economics of ad spend are published nowhere on the site: the price of issuing a card, and the commission for moving money from the account balance onto a card. The only figures on record are Telegram promotions quoting 1.9%, 2%, 2.025% and 4.5%.
  • The Terms of Service price the product differently from the homepage — Ultra at $299 a month against $209, decline fees of 0.5% / 0.5% / 0.3% / free against 2% / 1.5% / 1% / 1%, a Pro deposit fee of 0.5% where the site says free — and the same document reserves the right to apply fee changes 'immediately and without prior notice'.
  • Trustpilot rates the service 2.3 out of 5 across 44 reviews; a March 2026 reviewer describes an account banned 'with a lot of cards and funds inside without prior notification', another one-star review reports nearly 90% of transactions declined, and the company's replies to the March complaints were posted around three months later.
  • LinkPay pays for its own coverage — the affiliate page offers 'more than $200 for LinkPay mentions throughout the web' and the Telegram channel offers balance bonuses for forum and review-site posts — so the 4.7 on G2 and the five-star directory listings are not independent evidence.
  • The practical fit is narrow: top-ups are crypto only, 27 countries are barred by citizenship, residence, IP address or phone number — Russia, Ukraine, Belarus, Hong Kong, Lebanon and the United States among them — and the FAQ answers that full BIN lists are not public, so the issuer cannot be checked against an ad account beforehand.
  • The legal picture is muddled: the Terms route some services to Queensland Foreign Exchange, Inc. under Canadian law and others to Second February Limited under Seychelles law without saying which one holds customer money, and the cashback clauses ship with unfilled template placeholders such as 'accumulate a minimum of sum in cashback rewards'.
  • Money is slow and hard to claw back: withdrawals are processed 'during 10 working days', card transactions are 'irreversible and not open to dispute', Meta holds are quoted at 10-14 days and merchant refunds at up to four weeks, subscriptions are non-refundable, and liability is capped at the fees paid over the previous three months.
  • Appendix 1 to the Terms bans whole verticals outright — 'services of organizers and operators of lotteries, betting, casinos and any other types of gambling', escort services and prostitution, prescription medicines and weapons — and item 31 extends the ban to 'services of advertising (promoting)' any of them, so buying traffic for those offers is itself a breach, answered by an 'Account Lockdown without prior notification' and funds frozen 'for the period of investigation'.

What LinkPay charges

Balance top-up1%
Per transaction2%
MonthlyFree

Not published: card top-up, outside the card's currency, to issue a card, per declined payment, minimum top-up.

The homepage ladder runs Lite free, Plus $59, Pro $179 and Ultra $209 per month, with a crypto deposit fee of 1% on Lite, 0.75% on Plus and free on Pro and Ultra, and a transaction fee of 2% with a $2 minimum on Lite falling to 1% on Pro and Ultra. The figures above are the free Lite tier, the only one reachable without a monthly commitment. The decline fee is quoted as a percentage rather than a flat amount and is left blank here because the Terms of Service publish a second, incompatible table: Ultra at $299, decline fees of 0.5% / 0.5% / 0.3% / free, and a Pro deposit fee of 0.5% where the homepage says free. Two numbers a media buyer needs are published nowhere — the price of issuing a card, which the FAQ defers to the dashboard while naming plans (Starter, Pro, Enterprise) that do not exist, and the commission for topping a card up from the account balance, which surfaces only in Telegram promotions at 1.9%, 2%, 2.025% and 4.5%. The 0% conversion claim for USD, EUR, GBP and CNY comes from a Telegram post rather than published terms, and the minimum deposit is $15 in the FAQ against $50 on the eWallet page.

The platforms it names

LinkPay names 8 platforms it is built for. A service is listed under a platform only where it says so itself — not where a review says it for them.

  • Meta Ads
  • Google Ads
  • TikTok Ads
  • Microsoft Ads
  • Reddit
  • LinkedIn
  • X Ads
  • Taboola

How it works

BINsUS
3D SecureIn dashboard
Getting inOpen signup
Support24/7
Seats3

Where LinkPay contradicts itself

10 places where the provider's own pages disagree with each other. Nothing here is our judgement — each line quotes both sides.

  • The Ultra plan is sold at $209 per month on the homepage and priced at $299 per month in the Terms of Service.
  • Decline fees are listed as 2% / 1.5% / 1% / 1% across the four plans on the homepage and as 0.5% / 0.5% / 0.3% / free in the Terms of Service.
  • The Pro plan's crypto deposit fee is shown as free on the homepage pricing table and as 0.5% in the Terms of Service.
  • The minimum deposit is given as roughly $15 to activate a card in the FAQ, as $50 on the eWallet card page, and as $50 or more to activate a free promotional card on the affiliate page.
  • Product pages sell Visa and Mastercard as available today while FAQ question 16 answers that USD and Visa cards are still 'planned for release soon'.
  • The eWallet and mobile-wallet pages give step-by-step instructions for adding a card to Apple Pay and Google Pay while FAQ question 8 answers that both are still in final integration and will be available soon.
  • Landing pages state that no identity verification is needed to issue a card while the FAQ caps unverified accounts at $500 per month and advertising cards only, and the anti-money-laundering policy requires an identity document, proof of address, SMS verification and a liveness check.
  • The homepage advertises unlimited virtual cards and the eWallet page states there is no cap on issuance, while the pricing table caps free cards at 0, 5, 15 and 100 per month by plan and the FAQ tells accounts running more than 100 cards to request custom limits from support.
  • FAQ question 19 names the plans as Starter, Pro and Enterprise while the pricing page sells Lite, Plus, Pro and Ultra.
  • The Terms of Service describe British Columbia incorporation number BC1348268 as an 'MSB License' although FINTRAC states that it does not license or endorse registrants, and the company's actual FINTRAC registration, M23039048, covers virtual currency services rather than card issuing.

How we checked

Every figure on this page was read off linkpay.io on 12 August 2026. Where LinkPay publishes nothing, this page prints a dash rather than an estimate.

Operated byAVIOR FINANCIAL HOLDINGS LIMITED
Registered inCanada (British Columbia)
LicenceFINTRAC MSB M23039048 — registered for virtual currency services only
Open linkpay.ioNot a paid link: we earn nothing either way.