Halocard allows you to create privacy-respecting, virtual credit cards issued in the US, without a consumer bank middleman. Available to residents of 140+ countries (you don’t need to live in the US) and with significantly higher acceptance than comparable debit or prepaid cards.

Set unique spending limits and customise your name and billing address for every Halocard you create. You’re in control of the information you share with merchants. You decide how much and how often they’re allowed to charge you.

Make purchases at over 175M merchants globally including retail, subscriptions, AI, cloud, advertising and travel merchants to name a few. Add your Halocards to Apple or Google Wallet and pay in person via tap.

Top up one shared balance and use it across all your Halocards. Deposit funds any number of ways including with another (less private) Debit or Credit Card, Apple or Google Pay, Bank Transfer, Stablecoins and Cryptocurrency.

A simple flat subscription, starting at $12 a month for 3 cards or $15 for 12 cards, with more available whenever you need them. There’s no free tier and no surprise fees. We’re able to provide a private and reliable service because we have paying customers. This also ensures you remain the customer and never become the product.

Some restrictions are outside of our control like gambling and crypto purchases, or money transfers which Visa treats as high-risk purchases. We also can’t bypass payment restrictions enforced by merchants you use your Halocards with, but we’ll always be upfront about where the blocker is.