Halocard vs LinkPay

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. LinkPay doesn't serve the United States: its restricted-country list bars US citizens, residents, phone numbers and IP addresses. Elsewhere, with no verification, spending is capped at $500 a month and only advertising cards can be issued; basic verification (full name, address and ID details) raises the cap to $2,000 and opens every card except the Apple Pay and Google Pay ones; unlimited verification, with an ID photo and a live check, removes the limits. Its AML policy asks for ID, proof of address and a liveness check for full access. Halocard verifies everyone, in under 3 minutes with a passport or national ID. See supported countries

Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check, and Halocard cards are issued by Third National, a Non-Bank Principal Member of the Visa Network. LinkPay sells its cards as virtual credit cards, but you load each one before you spend and its FAQ says they can be used as prepaid. LinkPay says its cards come from partner banks and names none of them, and says its cards use US BINs while its FAQ lists USD and Visa cards as planned. On phone wallets, LinkPay's own pages disagree: the page selling its card for Apple Pay and Google Pay says you can add that card to either wallet, while its FAQ says the integration is still coming soon and keeps those cards to fully verified accounts. See the Halocard card BIN

Halocard keeps one balance you top up by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto. LinkPay's FAQ says top-ups are crypto only for now, with card and bank methods still to come, and its page for Apple Pay and Google Pay cards puts the minimum deposit at $50. Getting money out takes longer: withdrawals go to a crypto wallet and its terms allow 10 working days to process them, and on Lite a withdrawal costs 3% (minimum $5). Halocard balances can be withdrawn to a supported withdrawal method. 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. LinkPay offers no bank account: its balances are funded and withdrawn in crypto. Send and receive USD payments

LinkPay's control is the balance: each card spends what you load onto it. Its FAQ says freezing and unfreezing a card is a feature of its paid plans, and it doesn't confirm whether you can set a card's billing address. For teams it offers shared accounts of up to 50 members on Ultra, which Halocard doesn't. With Halocard 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. Set a card's name and address

LinkPay pays cashback to subscribers: 1% on Pro and 2% on Ultra by its pricing table, though its terms still say 3% on Ultra. By its cashback policy the credit is credited to your LinkPay balance for fees and other services, capped each billing cycle, never withdrawable and void after 12 months, and on both plans the purchase fee of 1% takes back part of it. Its merchant page offers up to 50% of the fees paid by friends you refer. Halocard pays no cashback on purchases. What it pays is a referral commission: $5 to $25 a month for every friend you refer, for up to 12 months, and Essential is free with 3 referrals. See how referrals work

Halocard charges nothing on US-dollar purchases and 1.5% + $0.30 on others, and nothing when a payment is declined. LinkPay charges at each step: 1% to deposit on Lite, 4.9% on Lite, falling to 2.9% on Ultra to move money onto a card, 2% (minimum $2) on Lite, falling to 1% on Pro and Ultra on every purchase, and 2% on Lite, falling to 1% on Pro and Ultra on every declined payment. On Lite, loading $1,000 onto a card costs $49, and the purchase minimum means a $10 purchase costs $2 in fees. LinkPay shows card prices and card load fees only in its dashboard; these are the figures CardAff records from it. Its terms carry an older fee table with lower decline fees and free withdrawals; these are the figures on its pricing table. See all Halocard fees

Lite is free with no cards included, Plus costs $59 a month with 5 cards, Pro $179 with 15 and Ultra $209 with 79. Lite costs nothing to join but includes no cards: each one costs $9 a card on Lite, falling to $5 on Plus, $3 on Pro and $2 on Ultra once a plan's cards are used, and every purchase pays 2% with a $2 minimum. Its terms list Ultra at $299. LinkPay shows card prices and card load fees only in its dashboard; these are the figures CardAff records from it. Halocard plans are $12, $15 and $75 a month and include 3 to 60 cards at once, with no fee on US-dollar purchases. Essential is free with 3 referrals, and each friend you refer pays you $5 or more a month. Compare Halocard plans

Halocard answers by chat, email, and phone on every plan. LinkPay answers by live chat on its site, a Telegram bot and email, and lists no phone number. Visit the help centre

LinkPay is run by Avior Financial Holdings Limited, a company in Richmond, British Columbia, registered with FINTRAC as a Canadian money services business, but it names no card issuer, account bank or founder. It is rated 1.8/5 on Trustpilot, and most of its reviews are about declines and withdrawals. Halocard names its company, card issuer, account bank and founder. About Halocard