Linc
Linc: A free wallet connecting mobile money with bank accounts, cards and merchant payments. Ranked #60 of 89 in Mobile Payment Apps by our editors (3.0/10); pricing: Free plan; best for mobile-money users and merchants needing wallet tools.
At a glance
- Editor score3.0 / 10
- PricingFree plan
- Best forMobile-money users and merchants needing wallet tools
- Free planYes
- Paid fromFree
- In-store paymentsYes
- Facts checked25 Oct 2026
Where it wins
- Moves funds between mobile money, wallets, bank accounts and cards
- Combines virtual cards, bill payments, QR codes and payment links
- Gives merchants daily bank settlement and a website API
Where it doesn't
- Transfer fees are shown per transaction rather than in public plans
- App Store version is listed as coming soon
- Merchant tools may be more than users seeking only basic transfers need
Our verdict on Linc
Linc is a digital wallet and remittance service from Linc SARL, based in Kinshasa, DR Congo. It is aimed at mobile-money users who need to move funds across wallets, bank accounts and Visa or Mastercard cards, as well as merchants accepting payments. The service is available on the web and Android. Its feature set spans personal transfers and bill payments alongside merchant acceptance, so it is relevant to people and businesses working across those payment channels.
For individuals, Linc supports receiving funds, managing a virtual Visa or Mastercard card, paying bills through merchant QR codes or payment links, and cash deposits or withdrawals through agents. The free service connects mobile money with wallets, banks and cards, but transfer fees are displayed transaction-by-transaction rather than through published subscription plans. Two-factor authentication is available for sensitive operations. These capabilities make Linc a fit for users who value multiple ways to move or access money; people looking for a wallet with a published flat fee structure may prefer to compare alternatives before transacting.
Merchants can accept payments through QR codes and payment links, receive daily settlement to a bank account, and use a website API. Support channels include email and documentation. Google Play availability is listed, while the App Store version is described as coming soon, so iPhone users may need to wait for that app. Linc suits merchants seeking mobile-money-linked acceptance and settlement tools alongside consumer wallet functions. Businesses needing an established iOS app or a clear public fee schedule should weigh those limits against its channel coverage.
Your product? Our editors can test Linc in depth and publish a review, labelled as paid · from $149/mo →
Linc pricing
Linc fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| In-store payments | Yes |
| Peer transfers | Yes |
| Bill payment | Yes |
| QR payments | Yes |
| International transfers | Yes |
| Mobile platforms | Android |
| Deployment | Cloud, Mobile |
| Platforms | Web, Android |
| Compliance & security | 2FA |
| Support | Email, Docs |
| Built for | Solo, Small business, Mid-market (editorial estimate) |
| Integrations | 4 integrations: Mobile money, Bank accounts, Visa, Mastercard |
| Pricing | Free plan |
| Website | linc.cd |
| Facts checked | 25 Oct 2026 |
Linc integrations
Linc lists 4 integrations on its own site.
- Mobile money
- Bank accounts
- Visa
- Mastercard
Alternatives to Linc
- PhonePeA free iOS and Android app for everyday UPI transfers, QR payments and bills.9.4
- Apple PayA no-cost payment service for Apple devices, with checkout availability depending on merchant and region.9.2
- Weixin PayA free mobile wallet for QR, merchant and supported cross-border payments.9.1
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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