Halocard vs SiraPay

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. SiraPay publishes no list of the countries it serves: it claims coverage of 150+, 100+ and 51+ countries in different places, and its terms leave it to you to check that virtual cards are allowed where you live. It says no face scan or government ID upload is needed to sign up, and that larger deposits may bring an identity check. Halocard verifies identity as banking laws require: it takes under 3 minutes with a passport or national ID, and Halocard doesn't store your ID documents, which are held by its verification provider as banking laws require. 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. SiraPay calls its cards spend-only virtual cards. Its fees page says every card runs on Visa, another page says Visa and Mastercard, and none says whether the card is a credit, debit or other kind of card, who issues it or in which country. Two terms matter to a buyer. SiraPay's terms say its cards are for outgoing payments only and can't receive a merchant refund or credit; and its monthly and yearly cards run for a fixed period, and a balance left on an expired card is not refundable or transferable unless SiraPay says otherwise. A refund to a Halocard is credited back to your account balance, even if you have cancelled the card. How refunds work

SiraPay lets you create up to 5 virtual cards and sells them as a Monthly Card, a Yearly Card and a ChatGPT Card, a card programme with its own BIN that it says is built for ChatGPT subscription payments. Halocard plans include 3 to 60 cards at once, each for a merchant you choose, 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. SiraPay is funded with crypto. Its marketing mentions crypto and fiat top-ups, but its FAQ names Binance Pay in USDT and eight blockchain networks, its get-started page says Binance Pay is what it currently accepts, and it names no card, bank or phone-wallet method. A Binance Pay deposit is free; for other crypto deposits, and for moving money onto a card, its fees page says to check the app. 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. SiraPay says its card is spend-only and doesn't receive payments or replace a bank account. It lets you send a balance to another SiraPay user, and doesn't confirm a way to withdraw it. Send and receive USD payments

Both give you controls on each card. SiraPay says you can freeze, limit or delete any card from its dashboard; it doesn't confirm what a limit can be set to, or whether you can choose a card's billing address or cardholder name. 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. See card spending limits

Every Halocard can go in Apple Pay and Google Pay for tap to pay anywhere Visa is accepted, and you can add a physical card, free with any annual plan or $100 on a monthly plan. SiraPay's cards are for online payments: its fees page lists a physical card as coming soon, and it doesn't mention Apple Pay and Google Pay. Set up Apple Pay and Google Pay

SiraPay describes no cashback or points on spending. New accounts are offered a $2 welcome bonus, unlocked by tasks shown in the app. 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 publishes its fees. SiraPay's fees page lists a 1.5% fee on payments in a currency other than US dollars, no service fee, a free account and free Binance Pay deposits. For the fee to top up a card and the fee on other crypto deposits it says to check the app, which it says shows the price before you confirm. See all Halocard fees

SiraPay has a Free Forever plan and paid Gold and Pro plans, and sells each card separately. Its public fees page gives no prices, only a note to check the app; the description SiraPay wrote for its Trustpilot profile says cards start at $0.99 a month, or $4.99 a year. 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. SiraPay offers support on Telegram, which it describes as 24/7, and by email. It lists no phone number. Visit the help centre

SiraPay's footer calls it a registered and regulated financial technology company. Its footer gives a UK company number, 16864637, which Companies House lists as Sira International Ltd, incorporated in November 2025. SiraPay names no card issuer, bank or financial regulator, nor a founder, and its Trustpilot profile has 3 reviews. Halocard names its company, card issuer, account bank and founder. About Halocard