Linc review
A free wallet connecting mobile money with bank accounts, cards and merchant payments.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
Linc pros and cons
- 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
Linc fact sheet, pricing and score →
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