Seamless on GrapheneOS
I use Halocard on GrapheneOS and it's been a very seemless experience. Support is great (I have went to them with some questions before), and I have yet to run into an issue.
Jeff, Canada
Made for International CompaniesVirtual Cards for Global Teams
The fastest way to create US-issued, virtual credit cards for employees, contractors and partners. Limit, lock and cancel cards instantly. Use virtual cards online or in-person everywhere Visa is accepted.
Trusted by Privacy-first consumers from 120+ countries
1 of 10. Jeff, Canada. Seamless on GrapheneOS
Halocard explained by the Founder
Accepted at 175M merchants worldwide
Virtual Cards for Every Business Model
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International Team Expenses
Your business is US-incorporated but your team is global. Issue US-issued Visa credit cards to employees and contractors in the US and 120+ countries. No cash reserve minimums. No weeks of underwriting. Onboarded within 24–48 hours.
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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.
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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, with no bank account needed on their end.
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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.
Secure and reliable virtual cards with no hidden fees
Card types
Every Halocard starts as a virtual card: a full Visa number, expiry and CVC, issued in seconds and ready to use online straight away.
They are reloadable and run on a credit BIN rather than a prepaid one, which is why they are accepted at merchants that routinely decline prepaid cards.
A disposable card works like any virtual card until its first successful charge, then cancels itself. The number is spent. It cannot be billed twice.
Use one for a trial you don't intend to keep, or for any merchant you'd rather not leave a live number with.
A real Visa card for spending in person, drawing on the same shared balance as your virtual cards.
It answers to the same controls. Lock it, limit it or cancel it from the dashboard like any other card.
Physical card, free with any annual plan or $100 on a monthly plan.
Funding
Top up with a debit or credit card, or through Apple Pay and Google Pay.
Funds land on your shared balance and are spendable by any of your cards immediately.
Read the full guideFund your balance with stablecoins (USDC, USDT) or with BTC, ETH and SOL, converted to your USD balance on arrival.
For a lot of members this is the point of Halocard: it turns crypto holdings into something spendable at ordinary Visa merchants.
Read the full guideSend CAD, EUR, GBP straight from your bank and it converts to USD when it lands on your balance, or send USD directly.
Read the full guideSpending
The ceiling is $1M a day. Below that your limit is simply your balance: deposit more, spend more.
Prepaid cards typically cap you somewhere around $10,000 a month regardless of what you have loaded.
You fund the account, not the card. Every Halocard draws on one balance, so there is no moving money between cards to cover a charge.
A new card costs nothing to create and needs no top-up of its own.
Halocards are held in US Dollars. Pay in another currency and Visa converts at its rate on the day, with Halocard's conversion fee on top.
Being USD-denominated is part of why a Halocard behaves like a US card at checkout, which matters at merchants that restrict signups by card country.
Controls
Give a card a daily, weekly or monthly limit and it declines anything above it.
A $20 monthly cap on the card you use for one subscription means a surprise price rise gets declined rather than charged. Limits apply per card and are editable at any time.
Both act immediately from the dashboard. Locking is reversible. The card authorises nothing until you unlock it, and then the same number carries on working. Cancelling retires the number for good, whatever the merchant has stored.
Lock the card you have misplaced or the subscription you are deciding about; cancel when you are done with a merchant entirely. Cancelling never strands money you are owed: refunds are credited to your account balance, not to the card, so they reach you either way.
Disposable cards cancel themselves the moment one transaction is successfully charged. No reminder to come back and switch it off.
It is the strongest defence against a merchant that quietly re-bills: the number simply is not there the second time.
Payments
Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets.
Both wallets work in the other direction too, as ways to top up your balance.
When a merchant asks for 3D Secure verification, Halocard issues a one-time code, so the extra step at checkout completes rather than dead-ends.
Refunds are credited back to your Halocard account balance and can take up to 14 business days to arrive. A wrong, fraudulent or contested charge can be disputed with Visa directly. The first dispute in any 12 months is free.
Halocards decline at adult, gambling, cryptocurrency and other merchant categories classed as high-risk. That is deliberate, not a gap.
Those categories attract the chargebacks that get an issuer's card ranges restricted, so blocking them is part of what keeps acceptance high everywhere else.
Read the full guideIssue Your First Card Within 24–48 Hours
1. Sign-up with an email
Create an account with your business email.
2. Verify your business
Submit your EIN, incorporation and UBO docs for verification (takes 24–48 hours).
3. Add funds to your account
Add funds via debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.
4. Your Virtual Cards are ready
Generate virtual cards for each team member or contractor with individual spending limits.
Simple Pricing for Business
Core
30 Virtual Cards (total)
3 Company Users
$29/mo
or $348 yearly
Minimum initial deposit of $100
Spend up to $1M per day
Apple Pay & Google Pay
Limit, lock or cancel cards
Customizable billing address
Virtual USD Bank Account
Multi-User Management
0% fee on USD purchases
1.5% + $0.30 FX fee on non-USD purchases
Chat, Email & Phone Support
Growth
100 Virtual Cards (total)
10 Company Users
$99/mo
or $1,188 yearly
Minimum initial deposit of $300
Everything in Core
Scale
300 Virtual Cards (total)
30 Company Users
$199/mo
or $2,388 yearly
Minimum initial deposit of $600
Everything in Growth
Dedicated Account Manager
Enterprise
500 Virtual Cards (total)
50 Company Users
$299/mo
or $3,588 yearly
Minimum initial deposit of $1,000
Everything in Scale
Personal involvement by the Founder
Want Halocard for FREE?
Every person who joins via your referral link earns you a commission of $5 - $25 every month (up to $100 for businesses). Refer as few as 3 people and the Essential plan pays for itself. Refer beyond that and Halocard starts becoming serious income.
Frequently Asked Questions
What type of entity is required to sign up?
Halocard requires a US-domiciled entity (LLC, corporation, etc.). The entity can be wholly owned by foreign individuals or companies. If you don’t have a US entity yet, services like Stripe Atlas or Dolla can set one up in days.
Can I issue virtual cards to contractors and freelancers overseas?
Yes. Create a card for each contractor in the US or any of 120+ countries, set a spending limit, and share the card details. Freeze or delete cards instantly when the engagement ends.
How do I control what my team spends?
Each card has independent spending limits (daily, weekly, or monthly). You get real-time alerts on every transaction and can freeze any card with one click from your dashboard.
Do Halocards work at US SaaS platforms and AI services?
Yes. Every Halocard is a US-issued Visa credit card, and you can nominate a US billing address on any card. It passes AVS checks and BIN verification at US merchants including OpenAI, Anthropic, AWS, Google Cloud, Canva, and all major SaaS platforms.
Is there a limit to how many cards I can create?
The Core plan includes 30 Virtual Cards and plans scale up to 500 cards on Enterprise. If you need more, contact us for a custom plan. Cards can be created and deleted freely within your plan limit.
What happens if a contractor leaves or a card is compromised?
Freeze any card instantly from your dashboard. The card stops working immediately. You can delete it permanently or reassign the budget to a new card. No support tickets, no waiting.
Can I use Halocard to pay creators or distribute incentives?
Yes. Create virtual cards loaded with specific amounts and issue them to creators, influencers, research participants, or loyalty program members in the US and 120+ countries. Recipients can spend immediately with no bank account needed.
Can I export transaction data for accounting?
Coming soon. Export transaction history for all cards or specific team members. Filter by date, merchant, cardholder, or amount. Data exports are compatible with standard accounting tools.
How do I fund my business account?
Fund with debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.
How do refunds work with virtual cards?
Refunds are credited straight back to your Halocard account balance, ready to spend on any of your cards. You don't need to keep the original card open. If you have cancelled it, the refund still reaches you. Refunds can take up to 14 business days to arrive.
What is the minimum deposit requirement?
Halocard asks for a minimum initial deposit for service quality and fraud-prevention reasons. Business accounts start on the Core plan, which requires a initial deposit of $100 (then $50+ thereafter).
How is Halocard different from Ramp or Brex?
Ramp and Brex have limited support for foreign-owned entities. Halocard has no cash reserve requirements, no lengthy underwriting, and fully supports foreign-owned US entities. First card within 24–48 hours of signup.
Still have questions?
How Halocard Compares to Business Card Platforms
Best choice | Ramp | Brex | |
|---|---|---|---|
| US entity required | Yes | Yes | Yes |
| Foreign ownership OK | Yes | Limited | Limited |
| Business verification (KYB) | Yes | Yes | Yes |
| Card type | US Credit | US Debit | US Debit |
| Time to first card | 24–48 hours | Days or weeks | Days or weeks |
| Virtual USD account | Yes | Yes | Yes |
| Stablecoin funding | Yes (USDC/USDT) | No | No |
| Per-card spending limits | Yes | Yes | Yes |
| Custom billing address | Yes | No | No |
| Cashback | No | 1.5% | Varies |
| Accounting integrations | No | Yes | Yes |
| Best for | Foreign-owned US entities, distributed teams, fast-moving startups | Established US businesses with $50K+ in bank | VC-backed startups with $50K+ in bank |
Everything Your Team Needs From Day One
Crypto & Fiat Funding
No monthly minimum balance or personal credit checks. Fund with debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.
Issue Cards in Seconds
Create a virtual Visa for any team member instantly. Name it, set a limit, and share the card 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.
Nominate a US Billing Address
Nominate a US billing address on any card to make purchasing from US merchants, SaaS platforms, and AI services easy.
3D-Secure Authentication
Visa 3D-Secure is supported whenever a merchant requests it to prevent fraud.
Apple Pay & Google Pay
Team members can add cards to mobile wallets for in-person purchases at conferences, client meetings, or any NFC terminal.
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