Designed for US Legal EntitiesVirtual Cards for Global Teams
Create virtual USD credit cards for employees, contractors, and partners across the world. Unlimited spending. No minimum balance. Per-card spending limits. No weeks of underwriting. First card within 24–48 hours of signup.
Takes less than 5 minutes
“We have 15 VAs in the Philippines who need access to ChatGPT, Canva, and various SaaS tools. Before Halocard, we’d buy subscriptions on the company card and share logins. Now each VA has their own card capped at $50/month. If someone leaves, we freeze the card instantly.”
Rachel W.
Head of Operations, Marketing Agency, Austin
Virtual Cards for Every Business Model
International Team Expenses
Your business is US-incorporated but your team is global. Issue US-issued Visa credit cards to employees and contractors in 144 countries. No cash reserve minimums. No weeks of underwriting. Onboarded within 24–48 hours.
Remote Contractor Cards
Give each offshore contractor their own virtual card with a set spending limit. They buy the SaaS tools and AI subscriptions they need. You see every transaction in real time and freeze cards with one click.
Client Payouts & Incentives
Send virtual Visa cards to creators, research participants, or loyalty program members worldwide. Fund cards with crypto or fiat. Recipients spend immediately — no bank account needed on their end.
No Minimum Balance. No Cash Reserve Requirements. No Waiting.
Most business virtual card platforms require a US bank account with $25,000–$50,000+ in deposits and weeks of underwriting. If you’re a foreign-owned US entity, a bootstrapped startup, or a team that needs cards today — not in three weeks — you’re out of luck. Halocard has no minimum balance, no cash reserve requirement, and no lengthy approval process. Incorporate your US entity, sign up, and start issuing cards within 24–48 hours. Whether you’re a 3-person startup or a 200-person agency with contractors in 15 countries, the process is the same.
Issue Your First Card Within 24–48 Hours
1. Sign Up Your Business
Create your Halocard account with your business email and EIN. Business verification typically completes within 24–48 hours — no weeks of back-and-forth with underwriting.
2. Fund Your Account
Add funds via stablecoin (free), crypto (1% fee), or credit/debit card (5% fee). Minimum deposit: $100. Your balance is shared across all cards you issue.
3. Create & Assign Cards
Generate virtual Visa cards for each team member or contractor. Set individual spending limits and labels. Share card details securely.
4. Monitor & Control
See every transaction in real time. Adjust limits, freeze cards, or issue new ones instantly. Full visibility from one dashboard.
Control, Visibility, and Scale
Team Dashboard
See every card, every transaction, every team member in one view. Filter by person, merchant, date, or spending category. Know exactly where your money is going in real time, not at month-end.
Unlimited spending power
No preset spending caps on your account. What you deposit is what your team can spend. Add $500 or $50,000 — your balance, your control.
USD Bank Account Included (coming soon)
Every business account comes with a dedicated USD bank account. Receive payments, fund cards, and manage your team’s spending from one place — no need for a separate US banking relationship.
Per-Card Spending Limits
Set daily, weekly, or monthly limits on each card. A contractor can’t overspend. A subscription can’t silently increase. You’re in control.
No minimum balance or credit checks
No $25K cash reserves. No personal credit checks. No lengthy underwriting. Fund your account with as little as $100 and start issuing cards to your team immediately.
Everything Your Team Needs From Day One
Crypto & Fiat Funding
No minimum balance or personal credit checks. Fund your team’s cards with stablecoins (USDC, USDT — free), crypto (BTC, ETH, SOL — 1% fee), or credit/debit card (5% fee). ACH and SWIFT coming soon.
Issue Cards in Seconds
Create a virtual Visa for any team member instantly from your dashboard. Name it, set a spending limit, and share the details all in under 60 seconds.
Real-Time Transaction Alerts
Get notified the moment any card is charged. No waiting for monthly statements. See the merchant, amount, and status instantly.
US Billing Address Included
Every card comes with a US billing address that passes AVS checks. Critical for international teams purchasing from US merchants, SaaS platforms, and AI services.
3D-Secure Authentication
Every transaction is protected by Visa 3D-Secure to keep your cards safe from unauthorised use.
Apple Pay & Google Pay
Team members can add cards to mobile wallets for in-person purchases at conferences, coworking spaces, client meetings, or any NFC terminal.
How Halocard Compares to Business Card Platforms
Feature
Halocard
Ramp
Brex
US entity required
Foreign ownership OK
Business verification (KYB)
Card type
Time to first card
USD bank account
Stablecoin funding
Per-card spending limits
Custom billing address
Cashback
Accounting integrations
Best for
Simple Pricing for Business Teams
Plus
Up to 30 cards per month
$29/mo
or $290 yearly
30 virtual Visa credit cards
Per-card spending limits
Real-time transaction alerts
USD bank account included
Crypto & fiat funding
Apple Pay & Google Pay
Chat, Email & Phone Support
Teams
Up to 60 cards per month
$59/mo
or $590 yearly
60 virtual Visa credit cards
Everything in Plus
Team dashboard with multi-user views
Full API Integration
2-hour Support SLA
Custom
Need more than 60 cards?
Let's talk
Customisable plans
Unlimited virtual Visa credit cards
Dedicated account support
Custom onboarding for your team
Everything in Teams
Volume pricing
Resources for Business Teams
The Ultimate Guide to Virtual Cards
Everything you need to know about virtual cards — types, benefits, how they work, use cases, features, pricing, and the top providers compared.
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Join hundreds of businesses that trust Halocard to manage spending for global teams.
Takes less than 5 minutes