Crypto Purchases with Apple Pay, Google Pay, and Debit Cards

Yes, You can now buy crypto in the SoFi app using Apple Pay, Google Pay, or a debit card. (Not available for New York residents)

What are the minimum and maximum amounts when buying crypto with Apple Pay, Google Pay, or a debit card?

The minimum purchase amount is $5. The maximum is $2,800 per week, which is a combined limit across Apple Pay, Google Pay, and debit cards. To buy more crypto than this weekly limit, you can pay with SoFi Checking and Savings or your SoFi Crypto account instead. 

What is Link and why am I being asked to use it when buying crypto?

Link is a one-click checkout service by Stripe. When you buy crypto at SoFi with Apple Pay, Google Pay, or a debit card, Link handles your payment securely and verifies your identity. That's why you may be asked to set up a Link account the first time you use one of these payment methods.

You don't need to do anything else for your crypto purchase to complete. With a Link account, you can also save your payment details for faster checkout next time and use the same account at thousands of other businesses that accept Link.

To learn more about Link, visit link.com. For help with your Link account, visit the Link Help Center at support.link.com. 

What should I do if my Apple Pay, Google Pay, or debit card payment doesn't go through?

If your payment didn't go through, here are a few things to try:

• Check the error message for any specific guidance
• Make sure your purchase is within the $5 minimum and $2,800 weekly maximum (shared across Apple Pay, Google Pay, and debit cards)
• If your debit card was declined, check that it has enough funds and that your card issuer isn't blocking the purchase
• Try a different payment method, like SoFi Checking and Savings or your SoFi Crypto account

If none of these work, visit the Link Help Center at support.link.com. 

Is there a fee to buy crypto with Apple Pay, Google Pay, or a debit card?

Yes, there’s a 2% payment processing fee when you buy crypto with Apple Pay, Google Pay, or a debit card. This fee is charged by Stripe, the payment processor behind these methods, and goes toward processing the payment. The fee is set by Stripe, not SoFi.

To avoid this fee, you can pay with SoFi Checking and Savings or your SoFi Crypto account instead.