“Too many people still have to sit out participating in the digital economy because they do not have a bank account or credit card,” said Lloydon Bramwell, Product Lead for Lynk. “With the Lynk Virtual Card, getting started is simple.

 All you need is your ID and smartphone. You can pay online, subscribe to services and manage your money in a way that works for you.”

Bramwell was speaking at the launch of the Lynk virtual card, held at the Half-Way Tree Transport Centre in Kingston recently. 

Powered by Visa, the Lynk virtual card offers expanded features designed to support Jamaicans who traditionally rely on cash. It allows users to pay online, subscribe to services and tap-to-pay in-store using only their phone, with no bank account or physical card required.

The Lynk virtual card sits within the Lynk app and can be activated in minutes. Once set up, users can make purchases anywhere Visa is accepted, both locally and internationally.

This launch forms part of the latest update to the Lynk app, which now serves close to 300,000 users across Jamaica. Lynk remains one of the few digital wallets in the market integrated with Jam-Dex, Jamaica’s central bank digital currency (CBDC). Jam-Dex was launched by the Bank of Jamaica in July 2022, allowing users more ways to transact digitally. 

Bramwell further explained that the Lynk wallet provides a convenient, all-in-one way for users to manage their everyday financial needs. Using a smartphone, customers can send and receive money, pay bills, top up mobile credit, purchase data plans, transfer funds to any local bank account, and receive remittances through Western Union and MoneyGram. Users can also add cash to their wallet at any of NCB’s 300 ABMs across the island by selecting ‘Cardless Cash’. 

At the launch event held at, members of the Lynk team worked directly with commuters and vendors, helping them sign up, activate their accounts and start using Lynk on the spot.

Errol McDonald, a long-time Lynk customer, shared, “I’ve been using Lynk for years now, and when the virtual card soft-launched in February, it really changed things for me. I was having some issues with getting a card, so this gave me a way to still make payments without using cash without the hassle,” McDonald said.

“Now I pay for things in-store and online and even invest in myself. I recently used it to sign up for a software tool to help me start doing currency trading on the side, McDonald added.

Bramwell said the focus was on keeping things simple while giving users more control.

“You can activate your card in minutes, see every transaction in real time and block it instantly if something does not look right,” he said. “It is about making digital payments easier to use in everyday life.”

Now available to users across Jamaica, the Lynk virtual card can be used for contactless tap-to-pay transactions on Android devices.