Halocard vs PST.NET

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. PST.NET doesn't serve US citizens or residents: its site asks every visitor to confirm they are not one, and its policy excludes Canada too. Outside those countries, its terms say an account is for professional activity such as media buying or affiliate marketing, and is not available for personal, consumer or household use. Both verify identity before you can issue a card. PST.NET asks for a government ID, a selfie check, a confirmed phone number and proof of address, and says verification usually takes less than 24 hours; Halocard verifies identity as banking laws require: it takes under 3 minutes with a passport or national ID. See supported countries

PST.NET's cards are built for advertising. It sells cards made for one platform, such as Google Ads or TikTok Ads, and its rules say such a card may be used only where it is designated; a payment that breaches its restrictions can cost 30% of the amount, with a $5 minimum. Its rules also bar paying for X Ads unless PST.NET approves it in writing. Halocard cards are general-purpose: accepted at Google Ads, Meta Ads, TikTok Ads, and X Ads, and usable for subscriptions, software, marketplaces and in-person payments through Apple Pay and Google Pay. PST.NET's terms say it offers no physical card, and its card order form says the card is not compatible with Apple Pay and Google Pay or any other digital wallet, and that trying to link one gets the card deactivated. Check merchant acceptance

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. PST.NET says its cards are issued in US dollars by partner banks in the United States, and names none of them. Its terms describe the cards as strictly pre-funded, with no credit, while its site sells them under several names, among them virtual prepaid card, virtual debit card and Platinum card. What PST.NET adds is choice: 20+ card types across many BINs, so a media buyer can test which one an ad platform accepts. See the Halocard card BIN

PST.NET puts no cap on the number of cards you can issue, which affiliate teams need and most people never use. You buy each card, and each card costs its issue price again every 30 days ($10 for an advertising card and $16 for its Ultima card). PST Private, its subscription, includes 1 to 100 cards a month for $10 to $499 a month, and cards issued under it are blocked when the subscription ends. Halocard plans include 3 to 60 cards at once with no fee on any of them, and annual plans add single-use cards. Compare Halocard plans

Halocard keeps one balance you top up by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto. PST.NET's deposit screen lists crypto only: USDT, Bitcoin and 16 other coins, with no card, bank or phone-wallet method. Each USDT credits $0.99 to your balance, and other coins are converted to USDT first by a third party. Getting money out is slower than putting it in. By its FAQ you can withdraw only what you deposited, the minimum is $10, and withdrawals are paid in USDT on the TRC-20 network, after a manual review that can take up to 14 days. 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. PST.NET offers no bank account. Its rules say the card is for paying merchants only and is not meant to receive incoming funds. Send and receive USD payments

PST.NET's control is the balance: each card holds what you move onto it, and it sets no spending limit on a card. You can freeze a card from the dashboard; closing one is permanent, and its FAQ says the cardholder name must be the name you verified with. It doesn't confirm whether you can set a card's billing address. For teams it adds a master account that moves cards and funds between members and approves their top-up requests, which Halocard doesn't offer. 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

PST.NET pays cashback on advertising spend to PST Private subscribers: 1% on its two cheapest plans, rising to 3% on the $499 a month plan. The cashback is capped each month by plan, isn't paid on Ultima cards, and is all or nothing: a purchase whose cashback would pass the cap earns none. Its affiliate programme pays a share of what the people you refer pay in fees. 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 you never pay to move money onto a card. PST.NET advertises no transaction fee; the cost sits in the top-up. Moving money onto a card costs 8%, so putting $1,000 on a card costs $86.96. PST Private lowers that to 4% to 6%, and its Enterprise plan to 2%. Each USDT you deposit credits $0.99, and a purchase at a merchant outside the United States adds 1% to 3%. Two rules cost more than a fee: a payment that breaches its restrictions can cost 30% of the amount, with a $5 minimum, and a merchant refund that arrives more than 30 days after you close a card is treated as abandoned and kept by PST.NET. A refund to a Halocard is credited back to your balance, even if you have cancelled the card. See all Halocard fees

PST.NET has no plan you must buy: you pay for each card, and pay again to keep it. Its Ultima card is $7 a week, $16 a month or $99 a year, and an advertising card $10 a month, so 3 advertising cards cost $30 a month before any top-up fee, against $12 for the Halocard plan that includes 3. PST Private bundles cards for $10 to $499 a month: one card on its cheapest plan and 100 on its dearest. Halocard plans are $12, $15 and $75 a month and include the cards: 3 to 60 at once, each with its own limit and billing address. 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. PST.NET answers by live chat, Telegram, WhatsApp and email, and lists no phone number. PST Private subscribers get a named manager. Visit the help centre

PST.NET is operated by ADV Summit Advisors Limited, a company incorporated in the Turks and Caicos Islands, and its terms are governed by the law of those islands. It names no issuing bank or founder, and its terms say the money you deposit is not client money or safeguarded funds: it becomes the company's property, and you hold a contractual claim to the same value. Trustpilot shows no score for PST.NET: its profile says the rating is unavailable because of a breach of Trustpilot's guidelines, and that a number of fake reviews were removed. Halocard names its company, card issuer, account bank and founder. About Halocard