LinkPay FAQ – Help, Card Setup & Account Guide
Cards & Usage
1. Where can I find the ZIP code, OTP, and static password for my card?
All these details are available in your LinkPay dashboard, under the card details section.
- ZIP code — shown next to the billing address;
- OTP (One-Time Password) — sent to your email when confirming payments;
- Static password — shown in the card details near card number and billing address;
2. What BINs do LinkPay cards use?
We issue several BIN ranges depending on the card type and provider. For security reasons, full BIN lists aren’t public, but you can always check the first 6 digits of your card in the dashboard to identify your BIN.
3. Why is my card frozen after issuance?
Sometimes cards issue this way due to some tech peculiarities of out partner bank. Usually cards unfreeze automatically in 5-7 minutes.
4. How much do I need to top up to issue a card?
The minimum top-up for card activation is shown in your dashboard before issuance (usually around $15).
5. Why cannot I freeze / unfreeze my card?
These features are available on our subscription / custom plans. Subscribe to one of the basic LinkPay plans or contact our support to get yourself a customized one.
6. When will I receive my hold or refund?
The situation with holds and refunds differ a little.
6.1 If the funds were authorized from your card, but the transaction did not succeed, the funds will be credited to your card in 5-10 minutes. This usually happens with taxi (eg Bolt, Uber) and food orders, or when the merchant needs a small amount to confirm your card, like PayPal or Apple.
6.2 If the transaction was successful, but you requested refund from the merchant, the timeframe will depend on how fast the merchant sends money back. In such cases timeline may differ a lot, but usually such refunds take no longer than 4 weeks.
6.3 In case your funds were holded, eg by Meta Ads, the money usually refunds in 10-14 days.
We must note that in all these cases we heavily depend on the merchant to return the money.
7. Why was my card not issued / shows an error during issuance?
This usually happens if your top-up didn’t meet the minimum, or a temporary network error occurred. Check whether you have enough money to the account to issue the card, wait a few minutes and try again — if the issue persists, contact support via chat, email or Telegram.
8. When will Apple Pay and Google Pay be available?
We’re in the final integration stage — Apple Pay and Google Pay will be available soon. You’ll see the option appear in your dashboard automatically once live.
To get direct updates on the progress, subscribe to our newsletters and enable push notifications in Telegram bot.
9. Can I use LinkPay cards for a specific platform or website?
Generally yes — our cards work on most online platforms that accept Visa or Mastercard. However, some websites have their own anti-fraud systems, so results may vary depending on the merchant.
Our support is able to check whether we have successful transactions, but we cannot guarantee 100% that our card will fit your payment setup. Besides, we regularly update our socials, where we talk about where our cards work and where they do not. Follow us to keep yourself updated! You can find the links to our socials in our website footer.
10. Will your card work with my advertising setup?
Our cards have been tested on the most popular platforms, such as Facebook Ads, Google Ads, Bing Ads, Reddit Ads, Linkedin Ads, TikToc Ads and others and we have clients who successfully use our cards on those platforms.
Our support may check whether we have confirmed transactions on the desired advertising platform, but we cannot guarantee what will and what won’t work with the exact setup, as many thing there depend not only on the payment method.
11. Can I use my card for subscriptions or auto-payments?
Yes, LinkPay cards support recurring payments. If a specific subscription fails, check your card’s balance and the subscription should prolong automatically.
12. How do p2p transfers work — and do they work at all?
Internal transfers between LinkPay users are available. To do so – go to Withdraw tab in your account dashboard and input the email of the user you want to send funds to.
13. Can I top up my card with something other than crypto?
For now, top-ups are processed in crypto only. We’ll soon add alternative methods like fiat or on-ramp partners.
14. Is it possible to withdraw funds from a platform directly to my LinkPay card?
No, this feature is not supported for LinkPay cards.
15. Are prepaid cards available?
Yes — our virtual cards can be used as prepaid and can be topped up at any time.
16. When will USD and Visa cards be available?
They’re planned for release soon. Follow our announcements or check the dashboard for updates.
To get direct updates on the progress, subscribe to our newsletters and enable push notifications in Telegram bot.
17. Are there conditions for users who want to manage more than 100 cards?
Yes — large-volume users and corporate accounts can request custom limits and management tools. Contact our support (Telegram, email or live chat) for details.
18. How many blockchain confirmations are needed for a deposit to appear in my account?
That varies depending on the crypto network you use. The confirmation number is coherent with industry standards: for TRC20 we ask for 20 confirmation, for BTC – from 4 etc.
Fees, Tariffs & Limits
19. What are the available plans and card issuance costs?
You can find all current tariffs on your dashboard under “Plans.” The card issuance price depends on your plan — Starter, Pro, or Enterprise.
20. Can you calculate how much I’ll pay for a specific action?
Our dashboard automatically shows all applicable fees before any internal transaction. Under each transaction you’ll see the applied fees before approving the transaction. For external transactions we do not have such feature.
Account & Verification
21. How can I delete my account?
You can request account deletion from your profile settings or by contacting support.
22. What does verification affect — and is it required?
Verification increases your limits and enables full card functionality. While basic operations are available without it, you’ll need verification for higher limits and extra security. The KYC verification is a requirement from our bank provider and regulators. What’s verification levels are available?
- <b> No verification</b>
On this level the monthly spend in limited to $500 and only advertisement cards are available for issue.
- <b>Basic verification</b>
On this level the monthly spend in limited to $2000 and all cards except Apple / Google Pay ones are available. For this level we require full name, address and a valid ID details.
- <b>Unlimited verification</b>
On this level user has no limits on spend or card types. To pass it, user needs to provide a valid ID photo and pass live check.
23. I can’t complete verification. What should I do?
Make sure your documents are valid and photos are clear. If the system rejects them, contact support — we’ll manually review your case.
Please note that we have some geographical and other restrictions on where we can accept the verification from. Unfortunately, this is one of the requirements from our partner banks and regulators. Full list of restricted countries is available here, other restrictions are listed in our AML policy.
24. I lost access to my email — can I change it?
Unfortunately no, we’re unable to change your email.
25. Who in the LinkPay team has access to my data?
At LinkPay, we do not have access to your private data, such as your card details, 3Ds codes and other.Only authorized compliance staff can access limited user data — strictly for verification or troubleshooting purposes. We never share data with third parties.
Compatibility & Regions
26. In which countries are LinkPay cards supported?
Our cards work globally wherever Visa or Mastercard are accepted online — except in restricted jurisdictions. You can check the full list here.
27. The website or dashboard doesn’t open. What should I do?
If the site doesn’t load, try enabling a VPN or refreshing the page. Some regions may temporarily restrict access. We have Cloudflare installed on our site, which is loading slower in some regions. Refreshing the page and enabling VPN usually helps.
28. Some elements (cards, QR codes) aren’t showing on the website.
Clear your browser cache or try another browser. If the issue persists, contact support — we’ll check your account status.
Payments, Errors & OTP
29. My payment was declined — why?
Declines can happen for several reasons: insufficient funds, merchant restrictions, or provider downtime. Usually we provide the decline reason in the transaction history. You can check that either on the card page, or in Transactions tab in you account dashboard.
30. My OTP didn’t arrive / the code doesn’t work.
Check your spam folder and wait up to 1 minute before requesting a new code. Avoid multiple rapid requests — it may invalidate previous OTPs.
Referrals & Corporate Clients
31. How does the referral program work?
Invite friends via your referral link. Once they register and make their first top-up, you’ll automatically receive your reward. You’ll be able to track all referrals and bonuses in your dashboard soon.
32. How can I check if my referral was linked correctly and if I got the reward?
For now, contact support with this issue.
Later it’ll be accessible in your dashboard → “Earn $100” section — it shows all linked referrals, their status, and your earned percentage.
33. What benefits do you offer for corporate clients?
Corporate users can access:
- custom BINs and card designs;
- API and white-label integration;
- lower fees;
- dedicated account manager.
34. What to do if I have an issue with my team wallet?
Our corporate clients have a dedicated account manager. Contact him and try to describe your issue as detailed as possible and we’ll be right on it.
In case you have ideas on how to make LinkPay better, don’t hesitate to contact him as well.
Other
35. I have a marketing or collaboration related offer, who do I contact?
Drop us a line to [email protected]. We usually respond within 2 working days.