Overview
iPayLinks (艾贝盈) is a collection-and-payout account for China-origin cross-border teams, not a storefront checkout plugin and not Amazon Lending. You open a unified account (the site calls it a “one-account” rail), request virtual receiving details, paste them into Amazon, eBay, Shopify and similar, hold funds in the original currency, then convert and withdraw to a mainland bank — or pay suppliers and VAT agents. The public homepage is www.ipaylinks.com. mp.ipaylinks.com is the merchant login, not the page you should store as website.
The company started in 2015 in Shanghai’s Lujiazui; Hong Kong entity iPayLinks Limited. Named investors include Vision Capital (Yuanjing), Tencent and Lenovo. The site claims 200,000-plus users, coverage in 150 countries, 18-plus settlement currencies, about 15 branches (Hong Kong, Singapore, Malaysia, UK, US and others), and licences such as Singapore MPI, Hong Kong MSO, UK FCA (API) and US MSB — all company figures. Phone 400-133-0157 (09:00–21:00), sales biz@ipaylinks.com.
It sits on the same quote sheet as Payoneer, PingPong and Lianlian. The old stub treated “100,000 users, 150 countries” as body copy; that is marketing, not audited traffic.
Core features and advantages
Marketplace collection
You apply for multi-currency virtual accounts and bind Amazon (North America, Europe, UK, Japan, Australia, Middle East in current campaigns), TikTok Shop, Shopee, Etsy, Wayfair, NOON, Cdiscount and others. Trust the in-account platform list. The point is local-rail payouts from the marketplace so you can hold the sale currency. From 25 September 2025 to 30 June 2026 the site ran a 0% inbound fee promo on newly bound shops (cap five new shops per member; unbind-and-rebind does not count). That is a campaign rule, not a forever tariff.
Trade collection, FX, and withdrawals
B2B trade accounts are marketed with zero opening, inbound and maintenance fees. A Cifnews FAQ once quoted 0.4% for FX settlement, DBS Hong Kong and US CFSB rails, and a dozen currencies — use the live account quote, not that article as a 2026 contract. FX is described as connected to the market with limit orders. Original-currency SWIFT payouts can attract intermediary bank fees. In July 2025 it launched “Tui Yi Tong”: withdraw-plus-FX-declaration in one flow, aimed at RMB landing with regulatory reporting. Sanctioned-country inflows are refused.
Acquiring, payouts, and internal transfers
Independent sites can take global acquiring (cards plus local methods). Those rates are a different product from “0% collection.” Payouts are marketed to 72-plus countries and local rails in 56, covering suppliers, ads, logistics and VAT. Transfers between iPayLinks accounts are advertised as free and instant. Each of those is a separate toggle in the product centre.
Supported platforms
Public lists include Amazon sites, TikTok, Shopee, Etsy, Wayfair, eBay, Shopify, NOON and Cdiscount. The trade line is a bank receiving account for wires, not the same switch as marketplace collection. Companies and individuals can apply; KYC follows registration venue. Middle East localisation (UAE, Saudi) is an older talking point. Coverage moves — confirm the account is still payable before you migrate a store.
Who it's for
- China-entity Amazon / TikTok / Shopee teams that need licensed collection and RMB withdrawals.
- The same legal entity running stores and B2B trade that wants one ledger.
- Mid-size shops paying VAT or suppliers without opening a fourth wallet.
- Skip it if the marketplace already forces Payoneer and you cannot dual-rail, if you mainly cash out to Alipay (look at WorldFirst), or if you need multi-entity spend controls (Airwallex).
Concrete use: a Qingdao or Yiwu seller binds iPayLinks USD and EUR to US and DE Amazon, converts part of the weekly payout to RMB for the factory, and keeps EUR for VAT. Decide on the all-in number on screen versus Payoneer, PingPong and Lianlian that day — and whether the 0% new-shop promo still applies to that store.
Pricing and value
There is no durable public rate card like Payoneer’s. Trade collection leans on zero account fees, with the real cost in FX and payout. Marketplace collection often has new-store 0% campaigns, then reverts. The 0.4% FX FAQ and older “0.7% cap” interviews may be stale. Card acquiring is priced higher. Internal transfers are advertised free. Watch intermediary SWIFT fees on the payout page. Do not park every inbound on one provider once volume is material.
Community feedback
Cifnews has carried product explainers for years; sellers treat iPayLinks as one domestic collection option, with less heat than Payoneer or PingPong. English Reddit has almost no dedicated threads. What you can verify: 2025 still produced Singapore local rails, the FX-declaration product, and a Qingdao “excellent service provider” mention, so the operating company is live. Complaints go through site chat or biz@ipaylinks.com. Do not read a promo landing page as “free forever.”
Competitive positioning
Payoneer wins by sitting in marketplace dashboards and by global brand. PingPong wins China-seller mindshare and RMB off-ramps. Lianlian plays the same collection-plus-settlement game. Airwallex is the global operating account and card. iPayLinks’ pitch is one login for marketplace, trade and acquiring, plus periodic 0% inbound campaigns. Keep a second rail.
Alternatives
- Payoneer: the collection option already in many marketplace dashboards.
- PingPong: licensed collection and RMB settlement familiar to China sellers.
- Lianlian International: another collection and RMB payout comparison point.
Limitations
Public fees move; you have to log in. mp.ipaylinks.com is a login URL, not a homepage. Acquiring ≠ collection pricing. Original-currency SWIFT can lose money in correspondent banks. Corridors and sanctions lists change. There is almost no English-seller folklore to lean on. KYC name must match the store entity or marketplace payouts bounce.
Verdict
If a China entity needs both marketplace collection and B2B wires, put iPayLinks on the same-day quote with Payoneer, PingPong and Lianlian. If Amazon already pays Payoneer and you will not maintain two accounts, skip the promo hop. Use www.ipaylinks.com for the product; use the merchant portal for the books.
Next step: register the store entity at www.ipaylinks.com, read the live inbound fee and campaign page, then run a small test withdrawal.
Data notes
Rechecked 2026-09-06 against www.ipaylinks.com (public homepage), the contact page (400-133-0157, biz@ipaylinks.com), the 0% campaign rules, and Cifnews FAQs. website changed from merchant portal mp.ipaylinks.com to the public homepage. monthlyVisits, domainRating, and authorityScore are catalog placeholders, unverified. published uses the public 2015 founding year (exact day unverified). FX percentages must be confirmed in-account.