A US-issued Visa credit card for customers in the US and 120+ countries
Crypto-funded ad cards for media buyers outside the US
Spend.net put accounts and funds on hold in early 2026, and it's unclear whether service has fully resumed
In January 2026, reviewers reported being locked out of their accounts. Spend.net replied publicly that it was in the middle of a major platform update, that funds were on hold, and that it was working with its banking partner on temporary limitations. Its last public update, in March 2026, gave no timeframe for a fix, and we found no confirmation since that service is back to normal. Check with Spend.net before depositing: its withdrawals are processed by hand, up to 14 days.
Checked 10 October 2026
Halocard is the better choice for anyone who needs one card that works everywhere, not just on ad platforms. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, usable for ads, subscriptions, software and everyday online shopping, and funded by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto. Spend.net issues crypto-funded virtual cards for media buyers: Spend.net doesn't serve US citizens or residents, it accepts only USDT and BTC deposits, and its Advertisement cards can only pay for digital advertising. It suits high-volume advertisers outside the US who already hold USDT and need hundreds of cards across many BINs.
The main differences between Halocard and Spend.net come down to who can open an account, what the cards are permitted to pay for, how money gets in, and how each product handles limits and controls.
| US citizens and residents | HalocardYes | Spend.netNot supported |
|---|---|---|
| Customers outside the US | Halocard120+ countries | Spend.netYes, except 40 restricted jurisdictions |
| Canada | HalocardYes | Spend.netNot supported |
| Credit check | HalocardNone | Spend.netNone |
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. Spend.net doesn't serve US citizens or residents: its site asks every visitor to confirm they are not, and its policy lists 40 restricted jurisdictions, including Canada, China, Hong Kong, Russia and Ukraine. US-based advertisers can't use Spend.net at all. See supported countries
| Ad platforms | HalocardGoogle Ads, Meta Ads, TikTok Ads, and X Ads | Spend.netYes |
|---|---|---|
| Subscriptions and software | HalocardYes | Spend.netSpend card only |
| Online shopping | HalocardYes | Spend.netSpend card only |
| In person | HalocardApple Pay and Google Pay, physical card | Spend.netNot supported |
Spend.net's FAQ states that its Advertisement card can only be used for digital advertising payments. That is not a risk-based decline, it is a product boundary: for a media buyer it doesn't matter, but for anyone who wants one card for ads on Monday and a software subscription on Tuesday, it is the whole comparison. Halocard cards work across ad platforms, subscriptions, marketplaces and in-person payments through Apple Pay and Google Pay. Check merchant acceptance
| Card network | HalocardVisa | Spend.netVisa and Mastercard |
|---|---|---|
| Issuing country | HalocardUnited States | Spend.netUnited States |
| BINs to choose from | HalocardOne | Spend.net20+ |
| 3D Secure codes | HalocardYes | Spend.netYes |
Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, so it passes both the issuing-country check and the card-type check many platforms apply. Spend.net cards are also issued in USD through US partner banks; it markets them as prepaid and its terms call them debit cards, and its 20+ BINs let media buyers test different ad platform approval patterns. See the Halocard card BIN
| Bank transfer | HalocardUSD, CAD, EUR or GBP | Spend.netNot supported |
|---|---|---|
| Debit or credit card | HalocardVisa, Mastercard | Spend.netNot supported |
| Apple Pay and Google Pay | HalocardYes | Spend.netNot supported |
| Stablecoins | HalocardUSDC, USDT | Spend.netUSDT, free from $50, else $5 |
| Crypto | HalocardBTC, ETH, SOL | Spend.netBTC, free from $1,000, else $10 |
| Balance currency | HalocardUSD | Spend.netUSD, converted at about $0.99 per USDT |
| Withdrawals | HalocardYes, from your balance | Spend.netUSDT only, by hand, up to 14 days |
Spend.net accepts cryptocurrency only: USDT on the TRC20 network and BTC, with no bank transfer or card funding. It converts USDT to USD at about $0.99 per token, so money loses a little value on the way in and again on the way out. If you don't already hold crypto, that means buying USDT first, then paying the deposit and load fees on top. Withdrawals are paid in USDT only and processed by hand, up to 14 days. Halocard accepts debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto and holds your balance in US dollars. Halocard balances can be withdrawn to a supported withdrawal method. See how to deposit
| Your own account and routing number | HalocardYes | Spend.netNot supported |
|---|---|---|
| Receive ACH transfers | Halocard1 to 3 business days | Spend.netNot supported |
| Receive same-day ACH | HalocardYes | Spend.netNot supported |
| Receive domestic wires | HalocardThe same day | Spend.netNot supported |
| Send ACH and wire transfers | HalocardYes | Spend.netNot supported |
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. Spend.net offers no bank account: you deposit USDT or BTC, and withdrawals are paid in USDT only, up to 14 days. Send and receive USD payments
| Per-card spending limits | HalocardDaily, weekly or monthly | Spend.netThe amount you load |
|---|---|---|
| Lock or cancel a card | HalocardInstant | Spend.netBlock from the dashboard |
| Single-use cards | HalocardAnnual plans, from 2 a month | Spend.netNot supported |
| Custom billing address | HalocardYes, on each card | Spend.netNot supported |
| Team management | HalocardNot supported | Spend.netYes |
Both keep your real card details away from merchants. Spend.net's controls are structural: per-card balances cap your exposure at what you load, and it publishes no purchase limits. 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. The custom billing address has no Spend.net equivalent, and it is often the difference between a payment clearing and failing at platforms that expect a US billing profile. Set a card's name and address
| Entry | Halocard3 cards ($12/mo) | Spend.net1 card, $500 a month of funding |
|---|---|---|
| Mid | Halocard12 cards ($15/mo) | Spend.net5 cards, $5,000 a month of funding |
| Top | Halocard60 cards ($75/mo) | Spend.net1,000 cards, no funding limit |
Halocard's tiers are bought with a plan, and annual plans add single-use cards and a physical card. Spend.net's tiers are earned through identity verification, starting at one card and $500 a month. Spend.net scales far higher at the top: 1,000 cards is well beyond Halocard's 60, a ceiling affiliate teams genuinely need and most individual users never approach. Compare Halocard plans
| Monthly fee | Halocard$12, $15 and $75 a month | Spend.netNone; Premium for Advertisement cards |
|---|---|---|
| Card load fee | HalocardNone: cards share your balance | Spend.net3.75% to 6%, by load size |
| Merchants outside the US | Halocard1.5% + $0.30 | Spend.net3% |
| Purchases in USD at US merchants | HalocardNo fee | Spend.netNo fee |
| Referrals pay for your plan | Halocard3 referrals cover Essential | Spend.netNot supported |
"No monthly fee" describes Spend.net's subscription, not its cost. Loading $1,000 onto a Spend.net card costs about $50.00 before you spend anything, any merchant outside the US adds 3%, and its own pages quote different cashback rates. Halocard plans are $12, $15 and $75 a month, with no fee on US-dollar purchases and 1.5% + $0.30 on others, and Essential is free with 3 referrals. See all Halocard fees
| Chat | HalocardYes | Spend.netOn Telegram |
|---|---|---|
| HalocardYes | Spend.netYes | |
| Phone | HalocardYes | Spend.netNo |
Halocard answers by chat, email, and phone on every plan. Spend.net runs support through a Telegram chat, gives a support email in its terms, and lists no phone line. Visit the help centre
| Company and country | HalocardHalocard LLC, USA | Spend.netWidberg Affiliates Limited, Marshall Islands |
|---|---|---|
| Registration or licence | HalocardFinCEN, BSA ID 31000317046430 | Spend.netNone published |
| Card issuer | HalocardThird National | Spend.netUnnamed partner banks |
| Account held at | HalocardSSB, Member FDIC | Spend.netIts unnamed issuing partners |
| Founders named | HalocardEdward Taylor | Spend.netNot published |
| Founded | Halocard2024 | Spend.netNot published |
| Trustpilot | Halocard4.2/5 (11 reviews) | Spend.net2.8/5 (13 reviews) |
Spend.net is run by an offshore company that names no issuing bank or founder. Its small review base (2.8/5 from 13 reviews) centres on account lockouts in early 2026 and slow withdrawals. Halocard names its company, card issuer, account bank and founder. About Halocard
Rated 2.8/5 on Trustpilot from 13 reviews. The most common complaints:
Reviews describe accounts and funds locked in January 2026.
Very concerning
“I deposited $150 to test the service. After that, I suddenly lost access to my account and cannot log in at all. The password reset email is simply not being sent. … As a result, I cannot access my account or check my funds.”
I'm experiencing the same issue as the…
“I can't log in right now, and the support team isn't responding at all.”
Spend.net's FAQ states that its Advertisement card can only be used for digital advertising payments, so everything else needs a second payment method. Halocard cards work across ad platforms, subscriptions, marketplaces and in-person payments through Apple Pay and Google Pay, so you don't run two providers in parallel.
Spend.net accepts USDT and BTC and nothing else. Halocard accepts debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto, so you can take the crypto path when you want it and skip it when you don't.
Spend.net doesn't serve US citizens or residents. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with 3 cards from the entry plan rather than one card and $500 a month until you verify further.
Choose the billing address and cardholder name on each card, which is what platforms expecting a US billing profile verify.
Halocard balances can be withdrawn to a supported withdrawal method, and the value you load is the value you spend: Halocard holds your balance in US dollars rather than converting between assets.
Spend.net doesn't serve US citizens or residents, and its policy restricts 40 jurisdictions in all, including Canada.
Deposits are USDT on TRC20 or BTC only, with an exchange spread each way, so anyone without crypto has to buy it first.
Reviewers describe being locked out of accounts with funds inside, and in early 2026 Spend.net put funds on hold while it worked through what it called temporary limitations from its banking partner. Withdrawals are USDT only and processed by hand, up to 14 days.
Every card load costs 3.75% to 6%, with a $1 minimum, and merchants outside the US add 3%.
Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, built as a general-purpose payment tool: ads, subscriptions, software and online shopping on one platform, with a separate virtual card for each merchant. Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check.
Create cards in seconds from a web browser, 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. Fund your balance by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto. Verification takes under 3 minutes. Halocard doesn't store your ID documents, which are held by its verification provider as banking laws require. Outside the US? You don't need an SSN, a US address or a US bank account.
Spend.net is a media buying platform first and a card issuer second. Cards are loaded from an account balance you fund with cryptocurrency, and the product is designed around running paid campaigns at volume, with team management, statement exports for campaign reconciliation, and cashback on ad spend.
Spend.net issues Visa and Mastercard virtual cards in USD through unnamed US partner banks, with 20+ BINs and 3D Secure. It offers a Spend card for everyday purchases and an Advertisement card, which can only be used for digital advertising payments. Spend.net doesn't serve US citizens or residents, and its policy lists 40 restricted jurisdictions, including Canada. It is operated by Widberg Affiliates Limited, registered in the Marshall Islands.
Based on public information as of October 2026 (see Sources above); Spend.net's products, fees and terms may change, so check before you decide. Halocard publishes this page and makes one of the products compared, so verdicts and ticks are our opinion. Spend.net and its product names are trademarks of their owner, used only to identify its products; Halocard is not affiliated with or endorsed by Spend.net. Quoted reviews are verbatim Trustpilot excerpts of individual experiences, not verified by us. Not financial, legal or tax advice.
