A US-issued Visa credit card for customers in the US and 120+ countries
One prepaid Visa debit card with an assigned US billing address
StatesCard is closed to new accounts, and customers report lost balances
As of October 2026, StatesCard's sign-up page says it is temporarily not accepting new accounts due to maintenance. Since November 2024, customers have reported cards that stopped working, balances they couldn't spend or get refunded, the monthly fee still being charged, and support emails going unanswered into 2026.
Checked 10 October 2026
Halocard is the better choice over StatesCard for almost everyone, and the only one of the two you can sign up for today. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with a separate card for each merchant, a billing address you choose on every card, and Apple Pay and Google Pay for paying in person. StatesCard is not accepting new accounts, and reviewers report cards that stopped working in November 2024. Even when it was open, StatesCard was a narrow fit: one prepaid card with an assigned US address, built for paying US streaming services and app stores from abroad.
Five differences account for most of the gap: whether you can sign up, how each card is classified at checkout, how many cards you get, how you move money onto them, and what control you have once the money is there. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries; StatesCard is one prepaid card for US streaming and app stores.
| Open to new customers | HalocardYes | StatesCardNot supported |
|---|---|---|
| Customers outside the US | Halocard120+ countries | StatesCardYes, when open |
| Credit check | HalocardNone | StatesCardNone |
| Identity check | HalocardPassport or national ID, under 3 minutes | StatesCardID and video selfie, reviewed by hand |
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. StatesCard is not accepting new accounts: its sign-up page says it is temporarily closed for maintenance, and reviewers have reported cards that stopped working since November 2024. See supported countries
| Card network | HalocardVisa | StatesCardVisa |
|---|---|---|
| Issued in | HalocardThe US | StatesCardThe US, by a bank it doesn't name |
| Cards per account | Halocard3 to 60, by plan | StatesCardOne card number |
| Merchants that refuse prepaid cards | HalocardNot affected | StatesCardDeclined |
| 3D Secure codes | HalocardYes | StatesCardYes |
StatesCard issues a prepaid debit card, and its own support centre acknowledges that some merchants and services decline prepaid cards outright. Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check, but merchants see a Visa credit card, which clears the checks many SaaS platforms, AI services and ad accounts run against prepaid cards. Check merchant acceptance
| US billing address | HalocardYes | StatesCardYes |
|---|---|---|
| Address outside the US | HalocardYes | StatesCardNot supported |
| Custom cardholder name | HalocardYes | StatesCardUnknown |
| VPN recommended by the provider | HalocardNo | StatesCardYes |
Every Halocard can carry a billing address you nominate, in the US or anywhere in the world, and a cardholder name you choose, which is what US-only checkouts verify. StatesCard assigns every card the same Delaware address and recommends a VPN so merchants see a US location to match. Set a card's name and address
| Bank transfer | HalocardUSD, CAD, EUR or GBP | StatesCardBancontact, EPS, iDEAL, P24 and Sofort |
|---|---|---|
| Debit or credit card | HalocardVisa, Mastercard | StatesCardYes, 7.5% + $0.30 a load |
| PayPal | HalocardNot supported | StatesCardYes, 8.5% + $0.30 a load |
| Stablecoins | HalocardUSDC, USDT | StatesCardNot supported |
| Crypto | HalocardBTC, ETH, SOL | StatesCardNot supported |
| Load limits | HalocardSpend up to $1M a day | StatesCard$100 a month by card, $500 balance cap |
| Withdraw your balance | HalocardYes | StatesCardNot supported |
Halocard keeps one balance you top up by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto. Halocard balances can be withdrawn to a supported withdrawal method. StatesCard loads by card, PayPal or a set of mostly European bank methods, each with a percentage load fee, caps card loads at $100 a month and the balance at $500, and refunds nothing once a card is issued. Using it with crypto exchanges, money transfer services or digital wallets is against its policy. See how to deposit
| Your own account and routing number | HalocardYes | StatesCardNot supported |
|---|---|---|
| Receive ACH transfers | Halocard1 to 3 business days | StatesCardNot supported |
| Receive same-day ACH | HalocardYes | StatesCardNot supported |
| Receive domestic wires | HalocardThe same day | StatesCardNot supported |
| Send ACH and wire transfers | HalocardYes | StatesCardNot 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. StatesCard is a single prepaid card with no account behind it: you load it by card, PayPal or a few European bank methods, and balances can't be withdrawn once the card is issued. Send and receive USD payments
| Physical card | HalocardFree with any annual plan or $100 on a monthly plan | StatesCardNot supported |
|---|---|---|
| Apple Pay and Google Pay | HalocardEvery card | StatesCardNot supported |
| Merchants | Halocard175M+ wherever Visa is accepted | StatesCardOnline only |
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. StatesCard's documentation says its card can't be used in person or added to a digital wallet. Set up Apple Pay and Google Pay
| Per-card spending limits | HalocardDaily, weekly or monthly | StatesCardNot supported |
|---|---|---|
| Lock or cancel a card | HalocardInstant | StatesCardSuspend; the monthly fee still applies |
| Single-use cards | HalocardAnnual plans, from 2 a month | StatesCardNot supported |
| A separate card per merchant | HalocardYes | StatesCardNot supported |
With StatesCard, one card number covers every subscription, store and service, and the only limit is what you load. 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, so stopping one subscription never touches the rest. See card spending limits
| Setup fee | HalocardNone | StatesCard$16.99 |
|---|---|---|
| Monthly fee | HalocardFrom $12 | StatesCard$3.95 |
| Load fees | HalocardListed on the pricing page | StatesCard5% + $0.30 to 8.5% + $0.30 |
| Purchases in USD | HalocardNo fee | StatesCardNo fee |
| Purchases in other currencies | Halocard1.5% + $0.30 | StatesCardUnknown |
| Referrals pay for your plan | Halocard3 referrals cover Essential | StatesCardNot supported |
StatesCard has the lower monthly fee, and for one low-volume subscription that can work out cheaper. Its load fees change the picture: loading $100 by credit card costs $7.80 each time, on top of a one-time $16.99 issuing fee, and the monthly fee comes out of your card balance. A lower price also doesn't help if you can't spend your balance or your card stops working. Halocard plans are $12, $15 and $75 a month with no setup fee and no fee on US-dollar purchases, and Essential is free with 3 referrals. See all Halocard fees
| Chat | HalocardYes | StatesCardNo |
|---|---|---|
| HalocardYes | StatesCardYes | |
| Phone | HalocardYes | StatesCardNo |
Halocard answers by chat, email, and phone on every plan. StatesCard answers only by email, and reviewers in 2026 describe getting no reply. Visit the help centre
| Company and country | HalocardHalocard LLC, USA | StatesCardNo legal entity named |
|---|---|---|
| Registration or licence | HalocardFinCEN, BSA ID 31000317046430 | StatesCardNone published |
| Card issuer | HalocardThird National | StatesCardAn unnamed US bank |
| Account held at | HalocardSSB, Member FDIC | StatesCardNot published |
| Founders named | HalocardEdward Taylor | StatesCardNot published |
| Founded | Halocard2024 | StatesCardNot published |
| Trustpilot | Halocard4.2/5 (11 reviews) | StatesCard2.1/5 (57 reviews) |
StatesCard names no company, bank or founder, and is closed to new accounts. Its 2.1/5 rating from 57 reviews is dominated by dead cards and stuck balances. Halocard names its company, card issuer, account bank and founder. About Halocard
Rated 2.1/5 on Trustpilot from 57 reviews. The most common complaints:
Reports of balances trapped on cards that stopped working.
Promised service is not provided
“Promised service is not provided. Card number doesn't show, therefore I'm unable to recover lost funds. … Cancelling the card is impossible (specially without forfeiting funds).”
Same as other people's comments...Scam
“I have a balance with this company because my card expired/ or was revoked by the bank and they wont/can't issue a new card. They also don't answer support requests.”
Users describe unanswered emails and refunds that never arrived.
I used Statescard for a while, but it now seems to have closed its business
“Now my card is unusable and I can get no reply from support at statescard.com having sent them several emails since 3 April 2026. … Previously I communicated with support at statescard.com and received quick replies.”
and to add to my previous comments
“If you don't cancel, they will just keep replying how they are waiting for card issuer to reactivate or refund your money.”
The most consequential difference is how each card is classified at checkout. StatesCard's own help centre lists merchants and services that don't accept prepaid cards. Halocard is a US-issued Visa credit card, which clears a broader range of merchant and platform checks. For anyone who has watched a payment fail for reasons that had nothing to do with available funds, this is usually the deciding factor.
With StatesCard, one card number covers everything. If it is compromised, or you want to stop one subscription without disturbing the others, you have limited options. Halocard gives each service its own card, with its own limit and its own lock, so cancelling one subscription never touches the rest.
StatesCard is built around unlocking US streaming and app stores. Halocard covers that and goes further: AI and cloud platforms, Google Ads, Meta Ads, TikTok Ads, and X Ads, recurring bills, and in-person payments through Apple Pay and Google Pay.
Fund by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto, rather than card and PayPal loads alone. Halocard balances can be withdrawn to a supported withdrawal method, where StatesCard refunds nothing once a card is issued.
Reach a real person by chat, email, and phone on every plan. For a payment method that sits underneath your subscriptions, response times matter.
StatesCard's sign-up page says it is temporarily not accepting new accounts due to maintenance, while its marketing pages still invite you to get a card.
Reviewers describe cards that stopped working, support blaming the card issuer, and balances they couldn't spend. Refund experiences vary, and reports of stuck balances and unanswered emails continue through 2026.
StatesCard's own support centre acknowledges that some merchants and services decline prepaid cards, and it recommends a VPN so your location matches the card's US origin.
Every load costs 7.5% + $0.30 by card, 8.5% + $0.30 by PayPal or 5% + $0.30 by bank, the monthly fee is taken from your card balance, and balances can't be withdrawn once the card is issued.
Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with a separate virtual card for each merchant you pay. Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check. It is built for online shopping, subscriptions, AI tools, advertising and everyday payments, and cards work at more than 175M merchants, online and in person through Apple Pay and Google Pay.
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 with a passport or national ID. Outside the US? You don't need an SSN, a US address or a US bank account. Halocard cards are issued by Third National, a Non-Bank Principal Member of the Visa Network.
StatesCard is a virtual card service that issues a prepaid Visa debit card together with an assigned US billing address in Delaware. It is marketed at people living outside the United States who can't complete payments with US digital services because their own card carries a non-US billing address.
Accounts are opened online with no credit check: you pay a one-time $16.99 card issuing fee plus $3.95 a month, then load funds by credit or debit card, PayPal, or one of several European bank payment methods. Each account gets a single card number. StatesCard's own documentation says the card can't be used in person, recommends a VPN so your location matches the card's US origin, and prohibits use with crypto exchanges, money transfer services and digital wallets. As of October 2026, StatesCard is not accepting new accounts.
Based on public information as of October 2026 (see Sources above); StatesCard'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. StatesCard and its product names are trademarks of their owner, used only to identify its products; Halocard is not affiliated with or endorsed by StatesCard. Quoted reviews are verbatim Trustpilot excerpts of individual experiences, not verified by us. Not financial, legal or tax advice.
