No waitlist
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What is Cloaked Pay?
Halocard is the better Cloaked alternative if you need a virtual card today: no invite, no bundle, and open well beyond the US. Cloaked Pay is the card feature of Cloaked, a US privacy app. It creates masked Mastercard charge cards, issued by Community Federal Savings Bank, each with its own generated name and email, merchant locks and spending limits, and charges no card or foreign transaction fees. It is invite-only, open to US citizens living in the US who already pay for a Cloaked plan, from $9.99 a month billed yearly, which also covers aliases, data removal and identity theft insurance.
Pros
- Pros: A masked name and email with every card
- Pros: Merchant-locked and single-use cards
- Pros: No card or foreign transaction fees
- Pros: Apple Pay and Google Pay
- Pros: Keeps your linked credit card's rewards
- Pros: Rated 4.6/5 on the App Store
Cons
- Cons: Invite-only, through a waitlist
- Cons: US citizens living in the US only
- Cons: Sold only as part of the privacy suite
- Cons: No physical card
- Cons: No partial refund if you only wanted the card
How much does Cloaked cost?
- Individual, yearly
- $9.99/mo
- Individual, monthly
- $14.99/mo
- Couple, yearly
- $14.99/mo
- Family of 4, yearly
- $24.99/mo
What fees does Cloaked Pay charge?
- Card creation
- Free
- Foreign transactions
- No fee
- Late or returned payment
- No fee
- Access
- Invite-only
How does Halocard compare to Cloaked Pay?
Halocard is the best Cloaked alternative for virtual cards you can use today. It is a US-issued Visa credit card for customers in the US and 120+ countries, with 3 to 60 cards at once depending on your plan.
Better choice | Cloaked | |
|---|---|---|
| Availability | Advantage: Yes, with no waitlist | Invite-only, through a waitlist |
| Eligibility | Advantage: For residents of the US and 120+ countries | US citizens living in the US |
| Funding | Advantage: Card, Apple Pay, Google Pay, Bank Transfer, Stablecoins & Crypto | A linked US card or bank account |
| USD bank account | Advantage: Your own US account and routing number | None |
| Controls | Advantage: Per-card limits, any billing address and name | Limits, merchant lock, a masked identity per card |
| In-person payments | Advantage: Apple Pay and Google Pay, plus a physical card | Apple Pay and Google Pay, no physical card |
| Pricing | Advantage: From $12 a month, for the card | From $9.99 a month, billed yearly, for the suite |
| Fees | Advantage: No fee in USD; 1.5% + $0.30 on other currencies | No card fees, no foreign transaction fee |
| Support | Advantage: Chat, email, and phone on every plan | Chat, email and phone |
| Trust and transparency | Advantage: A regulated US company and card issuer | A named US company and bank |
Why Halocard is the better Cloaked alternative
Not just for US citizens
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.
Pay for the card, not a bundle
Plans from $12 a month buy the card itself, and Essential is free with 3 referrals.
A physical card too
Every card in Apple Pay and Google Pay, plus a physical card, free with any annual plan or $100 on a monthly plan.
Cloaked Pay FAQ
Does Cloaked offer virtual cards?
Yes, through Cloaked Pay, which creates masked Mastercard numbers with spending limits, single-use, ongoing or custom card types, merchant locks, and a masked identity per card. As of this writing it is invite-only and open to US citizens living in the US, so subscribing doesn't guarantee access.
Is Cloaked Pay available yet?
Cloaked Pay is marked invite-only on Cloaked's site. You need a paid Cloaked subscription, then join the waitlist from the app, and Cloaked doesn't give partial refunds to people who subscribed only for the card. If immediate card access matters, Halocard lets you create cards the same day you sign up.
Can I use Cloaked Pay in Canada?
No. Cloaked's privacy suite is available in Canada, but Cloaked Pay is only for US citizens living in the US. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries.
How much does Cloaked cost?
Cloaked is priced as a full privacy suite: $9.99 a month billed yearly (or $14.99 month to month) for Individual, $14.99 to $19.99 for Couple, and $24.99 to $29.99 for Family. Cloaked Pay is included for eligible subscribers but invite-only, so the card isn't priced separately.
Is Cloaked Pay a credit card?
No. Cloaked Pay is a charge card with no line of credit: the full balance is repaid each cycle from a linked US card or bank account, and nothing is reported to the credit bureaus. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries. Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check.
Is Cloaked legit and safe?
Yes. Cloaked is a US-based, venture-backed company with BBB accreditation and identity theft insurance underwritten by AIG. Its Trustpilot rating is 3.7/5 from 752 reviews, strong on its phone support and privacy features and weaker on Call Guard, data removal results and billing.
What is the best Cloaked Pay alternative?
Halocard. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with no waitlist, a separate card for each merchant, and a physical card for paying in person.See all comparisons
Disclaimer
Based on public information as of October 2026 (see Sources on our Halocard vs Cloaked comparison); Cloaked'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. Cloaked and its product names are trademarks of their owner, used only to identify its products; Halocard is not affiliated with or endorsed by Cloaked. Not financial, legal or tax advice.