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 3,801 people around the world
1 of 10. Jeff, Canada. Seamless on GrapheneOS
Accepted at 175M merchants worldwide
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.
Learn more
👥
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.
Learn more
💸
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.
Learn more
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
Spending
Controls
Payments
Issue 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 stablecoins, cryptocurrency, credit/debit card, or bank transfer in USD, EUR, GBP or CAD.
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
3 Company Users
$29/mo
or $290 yearly (Save $58)
Spend up to $1M per day
Apple Pay & Google Pay
Limit, lock or cancel cards
Customizable billing address
Virtual USD Account (coming September)
Multi-User Management
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
Growth
100 Virtual Cards
10 Company Users
$99/mo
or $990 yearly (Save $198)
Everything in Core
Priority support (2 hour SLA)
Scale
300 Virtual Cards
30 Company Users
$199/mo
or $1,990 yearly (Save $398)
Everything in Growth
Dedicated Account Manager
Enterprise
500 Virtual Cards
50 Company Users
$299/mo
or $2,990 yearly (Save $598)
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.
How Halocard Compares to Business Card Platforms
Feature
Halocard
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 (September)
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 stablecoins, cryptocurrency, credit/debit card, or bank transfer in USD, EUR, GBP or CAD.
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.
From the blog
Best Virtual Credit Card Option for Small Business
Compare 9 virtual credit card providers for small businesses. Covers card types, fees, geographic availability, and which fits your business spending needs.
What Happened to the Citibank Virtual Card Program and What to Use Instead
Citi discontinued its virtual account numbers program. Discover what happened, what current Citi options exist, and which modern alternatives provide the best replacement.
Is There a Claude Gift Card?
Anthropic doesn't sell Claude gift cards. Find out why cards get declined, how virtual cards solve payment issues, and the best ways to gift Claude access.
How to Manage SaaS Subscriptions With Virtual Cards
Stop surprise renewals and regain control of your SaaS stack. Assign one virtual card per vendor, set spend limits, and simplify reconciliation.