Halocard vs StatesCard

Halocard is a US-issued Visa credit card for customers in the US and 120+ countries. Outside the US? You don't need an SSN, a US address or a US bank account. StatesCard is not accepting new accounts: its sign-up page says it is temporarily closed for maintenance, and reviewers have reported cards that stopped working since November 2024. See supported countries

StatesCard issues a prepaid debit card, and its own support centre acknowledges that some merchants and services decline prepaid cards outright. Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check, but merchants see a Visa credit card, which clears the checks many SaaS platforms, AI services and ad accounts run against prepaid cards. Check merchant acceptance

Every Halocard can carry a billing address you nominate, in the US or anywhere in the world, and a cardholder name you choose, which is what US-only checkouts verify. StatesCard assigns every card the same Delaware address and recommends a VPN so merchants see a US location to match. Set a card's name and address

Halocard keeps one balance you top up by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto. Halocard balances can be withdrawn to a supported withdrawal method. StatesCard loads by card, PayPal or a set of mostly European bank methods, each with a percentage load fee, caps card loads at $100 a month and the balance at $500, and refunds nothing once a card is issued. See how to deposit

Halocard includes a US bank account with its own account and routing numbers, so you can receive salary, transfers from friends and family, and any other payment you'd send to a US checking account. ACH transfers arrive in 1 to 3 business days and domestic wires the same day, straight into your Halocard balance and ready to spend. StatesCard is a single prepaid card with no account behind it: you load it by card, PayPal or a few European bank methods, and balances can't be withdrawn once the card is issued. Send and receive USD payments

Every Halocard can go in Apple Pay and Google Pay for tap-to-pay anywhere Visa is accepted, and you can add a physical card, free with any annual plan or $100 on a monthly plan. StatesCard's documentation says its card can't be used in person or added to a digital wallet. Set up Apple Pay and Google Pay

With StatesCard, one card number covers every subscription, store and service, and the only limit is what you load. Halocard lets you set daily, weekly or monthly limits on each card, lock or cancel any card instantly, and choose the billing address and cardholder name on each card, so stopping one subscription never touches the rest. See card spending limits

StatesCard has the lower monthly fee, and for one low-volume subscription that can work out cheaper. Its load fees change the picture: loading $100 by credit card costs $7.80 each time, on top of a one-time $16.99 issuing fee, and the monthly fee comes out of your card balance. A lower price also doesn't help if you can't spend your balance or your card stops working. Halocard plans are $15, $20 and $75 a month with no setup fee and no fee on US-dollar purchases, and Essential+ is free with 3 referrals. See all Halocard fees

Halocard answers by chat, email, and phone on every plan. StatesCard answers only by email, and reviewers in 2026 describe getting no reply. Visit the help centre

StatesCard names no company, bank or founder, and is closed to new accounts. Its 2.1/5 rating from 57 reviews is dominated by dead cards and stuck balances. Halocard names its company, card issuer, account bank and founder. About Halocard