LinkPay Ultra
LinkPay · Visa
LinkPay Ultra is a white-label, no-KYC privacy card with free API access and 3% cashback. The lack of verification and the white-label model may appeal to some, but the $299/month fee is disproportionate and the project's soundness is highly questionable. It should be approached with considerable caution.
The clause
That 3% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data & conditions
| Network | Visa |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | Not disclosed |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | 3% in USD · Nessuno |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | No KYC |
| Privacy | 5/10 |
| Supported countries | EEA, APAC, LATAM · 50+ countries |
| Estimated net annual cost | €3,337/year |
| Regulator | Not disclosed |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | Canada MSB |
Plans & pricing
Strengths
- No KYC; white-label; free API; 3% cashback.
- No KYC: usable without identity verification.
Weaknesses
- ⚠️ $299/month fee is disproportionate; soundness very questionable.
- Custodial: the platform holds your funds and can freeze or lose them.
- Subject to regulation (Canada MSB): reporting to authorities and freezes on order.
Verdict
The low score is clear-cut and justified: a $299/month fee is disproportionate to any value on offer, the project's soundness is highly questionable, and behind it sits only a Canadian MSB that does not protect the product. It is an option the cautious consumer should avoid.
On the sovereign axis there are some elements: no KYC, a white-label model, free APIs and 3% cashback with no FX markup. But coverage is limited to 50 countries and soundness is highly uncertain, so the crypto-native appeal is real yet fragile and must be weighed against the exorbitant fee.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is LinkPay Ultra a safe card?
LinkPay Ultra is a custodial card on the Visa network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is custodial.
How much does LinkPay Ultra cost?
The fee is €275.08 per month. Issuance is free. The FX markup is 0% (no surcharge). See the tier table for full conditions.
Does LinkPay Ultra offer cashback?
Yes: cashback goes up to 3%, depending on the tier.
Is LinkPay Ultra available in Italy?
Yes, LinkPay Ultra is available in Italy.
Is LinkPay Ultra custodial or self-custody?
LinkPay Ultra uses a custodial model. Funds are held by the issuer: you do not have direct control of the private keys.
Sources
- Official service page Plans & pricing · Regulatory framework · Blockchain · Legal name · +4 Data verified on Jul 22, 2026
- cryptocards.so Cashback.valuta reward · Cashback.cap eur · ATM fees · Annual cost · +4 Data verified on Jul 10, 2026
- www10.fintrac-canafe.gc.ca Company type Data verified on Jun 14, 2026
- trustpilot.com Past incidents Data verified on Jun 13, 2026
Show 1 more source
- uk.trustpilot.com Trustpilot reviews Data verified on Jun 13, 2026
Update history
- Real price of the Ultra plan: $299 per month (about $3,588/year), not free as previously shown. Also clarified the cashback limit: the 3% lasts 12 months and can only be spent on platform fees.