When you use your virtual card on a merchant’s website or add your card to a device or mobile app, your card information is encrypted and a unique code is created called a token. This helps to protect your card information and reduce the risks of exposure of sensitive information if there is a data breach or cyber attack.

Your primary account will be used to fund your Lynk wallet when conducting transactions in Lynk. Once you set a primary account, it will be used by default to fund your Lynk balance when completing a transaction. You can use your primary account to make payments seamlessly when conducting any of the transactions below:

• Bill payments
• JPS prepaid payments
• Mobile top-ups and data plans
• Paying businesses (P2M)

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If you don’t set a primary account, then your transactions will be funded with your current available balance in your Lynk wallet. Setting a primary account allows you to easily make payments without the need to “manually” cash in first.

Your primary account can be changed anytime you like. You can change it by doing any of the following:

1. Access your profile by clicking on your avatar in the top left of the home screen→ Once you are in profile, click on banks and cards menu → Select any account and an options panel will appear allowing you to enable Primary account.
2. When conducting transactions, a 'paying with' section on the transaction review screen will allow you to change your primary account to any of your added accounts on the fly.

Your primary account is used to fund your Lynk wallet when conducting transactions in Lynk.

If your account was flagged for closing:

• You will be given the chance to provide banking details, where we will send your remaining balance
• You’ll get updates along the way and can check with us if needed at help@lynk.us

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No. While over your balance limit:

• You can’t receive some types of credit transactions (like Remittances, Cash In, Request Payments, and JAM-DEX Cash In/Out)
• You can still send money, withdraw, and use your balance normally.

Normalize your balance to lift the hold on incoming transactions.

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If you’ve hit the Tier 1 limit and need more, you can upgrade to Tier 2.

• You’ll see an upgrade prompt in the app 
• Or, go to your user profile and select "My Account" then "Tier and Limits"
• Follow the steps to submit any required information
• Once approved, your limit will increase to $250,000

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It means your balance stayed over the Tier limit for too long. Here’s what happens:

• If you don’t take action within 3 days, your account may be flagged for closing.
• If you’re still over the limit after that, your account might be flagged for upgrade (Tier 1) or closing (Tier 2).

Don’t worry, we’ll remind you along the way and guide you through your options.

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You can normalize your balance, which is to bring down the balance to the tier limit by:

• Spending funds via card or transfer
• Withdrawing to your bank account
• Using your balance for in-app payments
• Upgrading to Tier 2 if you are currently at Tier 1

Once your balance is back below the limit, you’ll get a confirmation notification to highlight that your account is good.

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Don’t worry, if your balance goes over your Tier limit, we’ll notify you via push and email to normalize your balance (bring it below the limit). You’ll have:

• 3 days to bring your balance back under the limit
• Certain cash-in transactions will be temporarily disabled (like Remittances, Cash In, Request Payments, and JAM-DEX Cash In/Out)

If you don’t take action within 3 days, your account may be flagged for closing.

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Your balance limit depends on your account Tier:

• Tier 1: $50,000
• Tier 2: $250,000

Once you reach your limit, you'll need to normalize your balance (bring it below the limit) to continue certain transactions.

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In order to ensure the highest degree of security, we currently support Android versions 10 and up and iOS versions 13.4 and up

Yes, you can accept JAM-DEX payments with Lynkbiz. 

Yes, Lynkbiz sub-accounts let you have different logins for each branch.   

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