Halocard vs RedotPay

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. RedotPay is open in most countries, but its list of unavailable countries includes the US, so people in the US can't complete identity verification or use it. Its sign-up steps start with its app, with a photo ID and a face scan. See supported countries

Both are Visa cards, but they work differently. Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check. RedotPay settles each purchase from your crypto or funding-account balance, converting it when you pay. Its Hong Kong terms describe the card as a credit card backed by a line of credit from Red F. Technology Limited, its Singapore terms as a Visa debit card, and which one you get depends on your country. An account holds up to 5 cards in total, and deleted cards still count toward that limit. Check merchant acceptance

Halocard keeps one balance you top up by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto, and doesn't need you to hold crypto. Halocard balances can be withdrawn to a supported withdrawal method. RedotPay is built around crypto: you deposit supported assets such as USDT and USDC, buy crypto by card in the app, or, in some countries, send a bank transfer from a personal bank account into a USD, EUR or GBP funding account. It converts your balance to cash at the point of sale. It charges no fee on a crypto or bank deposit, and 3%, with a $1 minimum, on a transfer in from PayPal or a similar platform. 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. RedotPay says it is not a bank. Where it is offered, its USD funding account gives an account number and SWIFT code with no US routing number, and transfers into it must come from a personal bank account. Send and receive USD payments

Both give you per-card controls. RedotPay lets you set a per-purchase and a daily limit on each card, switch online, in-store and ATM use on or off, choose which currencies a card can use, and freeze a card; its help centre says declined-payment fees can still apply to a frozen card. Halocard lets 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, on every plan. See card spending limits

Both work in person. Every Halocard can go in Apple Pay and Google Pay, and you can add a physical card, free with any annual plan or $100 on a monthly plan. RedotPay has a physical card for $100, free once on its annual Pro plan, and a virtual card you can add to Apple Pay, Google Pay or PayPal. Its physical card also takes ATM withdrawals, for a fee of 2% to 3%. Set up Apple Pay and Google Pay

RedotPay's free account pays no cashback. Its paid RedotPay Pro plan, $12.90 a month or $129 a year, pays 3% on Apple Pay and Google Pay purchases, up to $18 a month. The cashback is a credit that can only be spent on card purchases, and it expires after 30 days. 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. RedotPay's fee table lists a 1% transaction fee, which it describes as the cryptocurrency conversion fee, and its help centre says a transaction fee of around 1% is added on top of the merchant's price when you pay with the card, as each card transaction converts your cryptocurrency to US dollars. That is separate from its currency fee, 1.2% when a purchase isn't in the card's default currency; it doesn't say whether the two add up. At a list of named merchants, including Facebook Ads and Discord, it charges a 1.5% transaction fee with a $0.50 minimum, waived on the first three such payments a card each month. It also charges $0.50 for each declined payment after the first 3 a card each month, including payments declined on a frozen card. To dispute a charge for goods you didn't receive, RedotPay asks $50 upfront for each chargeback and says one usually takes 3 to 6 months. The first dispute in any 12 months is free with Halocard. See all Halocard fees

RedotPay has no monthly fee on its base account, and its costs sit in per-card and per-purchase charges: $10 for each virtual card, $100 for a physical card and 1% on purchases. RedotPay Pro is optional, at $12.90 a month or $129 a year, and its fees are non-refundable. Halocard plans are $12, $15 and $75 a month, include 3 to 60 cards by plan, and Essential is free with 3 referrals. Compare Halocard plans

Halocard answers by chat, email, and phone on every plan. RedotPay's contact page lists an email address and promises a reply within 1 business day, and its help centre points to in-app live support. The only phone number on its site is a Hong Kong hotline listed beside the licence notice for its lending product, and recent Trustpilot reviewers describe slow replies and a bot that doesn't resolve problems. Visit the help centre

RedotPay names its Hong Kong operating company, its CEO and its licences, but its cardholder terms don't name the bank that issues its cards. It is rated 3.3/5 on Trustpilot from 1,013 reviews, where recent reviewers raise slow support and fees. Halocard names its company, card issuer, account bank and founder. About Halocard