LinkPay's banking partners have frozen cards and withdrawals in the past
LinkPay has told customers that delays come from its banking partner, and reviewers report money they couldn't spend or withdraw.
- 2026
- Reviewers report withdrawals pending for weeks. LinkPay's terms allow 10 working days, and its replies say each withdrawal is checked by hand.
- Early 2025
- LinkPay said technical issues at its banking partner had stopped cards and withdrawals while it moved to a new one, and reviewers reported waiting about three months.
Checked 14 October 2026
LinkPay is a crypto-funded virtual card service for advertisers outside the US, run by a Canadian money services business, that charges a fee on every purchase and froze cards and withdrawals for months during a early 2025 banking-partner outage.
Halocard is the better choice for most people: a US-issued Visa credit card for customers in the US and 120+ countries, issued to you by a named card issuer, with no fee on US-dollar purchases. LinkPay sells virtual Visa and Mastercard cards made for Facebook Ads, Google Ads and other ad platforms, with team accounts and up to 2% cashback on its dearest plan. LinkPay doesn't serve the United States: its restricted-country list bars US citizens, residents, phone numbers and IP addresses. Its verification has three levels: with no verification, spending is capped at $500 a month and only advertising cards can be issued; basic verification (full name, address and ID details) raises the cap to $2,000 and opens every card except the Apple Pay and Google Pay ones; unlimited verification, with an ID photo and a live check, removes the limits. Lite is free with no cards included, Plus costs $59 a month with 5 cards, Pro $179 with 15 and Ultra $209 with 79; on Lite every card costs $9 and loading it 4.9%, every purchase costs 2% (minimum $2) on Lite, falling to 1% on Pro and Ultra, and withdrawals go to a crypto wallet and its terms allow 10 working days to process them. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, funded by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.
Pros
- Pros: Cards made for Facebook Ads, Google Ads and other ad platforms
- Pros: A free Lite plan
- Pros: Team accounts of up to 50 members
- Pros: Up to 2% cashback, on Ultra
- Pros: Registered as a money services business in Canada
Cons
- Cons: No US citizens or residents
- Cons: A fee on every card, load, purchase and decline
- Cons: Crypto funding only
- Cons: Withdrawals within 10 working days
- Cons: Card issuer not named
- Cons: Rated 1.8/5 on Trustpilot
How much does LinkPay cost?
- Plans
- Free with no cards (Lite), or $59, $179 or $209 a month
- Each card
- $9 on Lite, down to $2 on Ultra
- Loading a card
- 4.9% on Lite, falling to 2.9% on Ultra
- Fee to load $1,000 onto a card, Lite
- $49
- Every purchase
- 2% (minimum $2) on Lite, falling to 1% on Pro and Ultra
Is LinkPay legit?
- Company and country
- Avior Financial Holdings Limited, Canada
- Registration or licence
- Fintech, not a bank. Registered MSB with FINTRAC (M23039048)
- Card issuer
- Not disclosed
- Trustpilot
- 1.8/5 (40 reviews)
- Founded
- Unknown
What LinkPay reviewers report
Rated 1.8/5 on Trustpilot from 40 reviews. The most common complaints:
Withdrawals held for weeks
Users report withdrawals pending for weeks, past the 10 working days its terms allow.
Nice website design, horrible service.
“Very high fees for everything, card doesn't work all the time. High fees and manual withdrawal that takes 10 business days, shocking.”
I requested withdrawal but it's been…
“I requested withdrawal but it's been almost a month and it still pending while they say on their site is take up to 10 days to process, now it's been almost a month and it still pending”
Holds and declines not returned
Complaints about authorization holds and declined payments whose money never came back to the card.
SCAM ALERT: They Stole My Money and Keep Stalling with "Few Days
“On February 11th, Google placed a $50 authorization hold on my card. That money never came back.”
they are a scam
“they are a scam, will reject the transactions and then hold the money.”
Funds stuck during bank outage
Reports from 2025 of card balances that could be neither spent nor withdrawn for about three months.
Worst service I have ever used
“The card can't make the transaction and when I try to withdraw the fund they don't allow me. … They had told me that there is a banking issue from their side to process withdraw. But it had already been about three month since I waited for the banking issue to be solved.”
from 3 months they are facing technical…
“from 3 months they are facing technical issue with the bank side, and my cards have a funds which i cannot use it or i cannot withdraw.”
How does Halocard compare to LinkPay?
Halocard is the better choice than LinkPay for most people. It is a US-issued Visa credit card for customers in the US and 120+ countries, issued to you by a named card issuer, with no fee on US-dollar purchases and funding by card, bank transfer or crypto.
Better choice | LinkPay | |
|---|---|---|
| Eligibility | Advantage: US residents and residents of 120+ countries | Outside the US |
| Card type | Advantage: US-issued Visa credit card | Pre-funded virtual Visa or Mastercard |
| Funding and withdrawals | Advantage: Card, Apple Pay, Google Pay, Bank Transfer, Stablecoins & Crypto | Crypto only: USDT, Bitcoin and other coins |
| USD bank account | Advantage: Your own US account and routing number | None |
| Controls | Advantage: Per-card limits, custom name and billing address | Per-card balances; freeze on paid plans |
| Rewards | No cashback, but a monthly referral commission | Advantage: 1% on Pro and 2% on Ultra cashback |
| Pricing | Advantage: From $12 a month, or free with 3 referrals | Free to $209 a month |
| Support | Advantage: Chat, email, and phone on every plan | Live chat, Telegram and email |
| Trust and transparency | Advantage: A regulated US company and card issuer | A Canadian MSB; issuer not named |
LinkPay FAQ
Is LinkPay safe?
Who runs LinkPay?
What is LinkPay?
Does LinkPay require KYC?
Is LinkPay available in the US?
What fees does LinkPay charge?
How long do LinkPay withdrawals take?
How do you fund LinkPay?
Does LinkPay work with Apple Pay or Google Pay?
Does LinkPay pay cashback?
How do I contact LinkPay support?
Sources
- LinkPay, homepage and plans: linkpay.io
- LinkPay, cards: linkpay.io/cards
- LinkPay, Daily Card (Omni): linkpay.io/cards/purchases
- LinkPay, eWallet card for Apple Pay and Google Pay: linkpay.io/ewallet-card
- LinkPay, FAQ: linkpay.io/questions
- LinkPay, terms of service: linkpay.io/terms-of-service
- LinkPay, anti-money laundering policy: linkpay.io/anti-money-laundering
- LinkPay, restricted countries: linkpay.io/certain-countries
- LinkPay, merchant services: linkpay.io/merchant
- Trustpilot, LinkPay reviews: trustpilot.com/review/linkpay.io
- CryptoCardHub, LinkPay Card review: cryptocardhub.com/card/linkpay-card
- CardAff, LinkPay tariffs and fees: cardaff.com/service/linkpay
Disclaimer
Based on public information as of October 2026 (see Sources above); LinkPay's products, fees and terms may change, so check before you decide. Halocard publishes this page and makes one of the products compared, so verdicts and ticks are our opinion. LinkPay, its product names and its logos are trademarks of their respective owners. Their use here does not imply any affiliation with, sponsorship by or endorsement from LinkPay. Quoted reviews are verbatim Trustpilot excerpts of individual experiences, not verified by us. Not financial, legal or tax advice.
