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

Set unique spending limits and customise the name and billing address on every card you create. You’re in control of the information you share with merchants, as well as how often and how much they’re allowed to charge you.

Make purchases at over 175M merchants globally including retail, subscriptions, AI, cloud, advertising and travel purchases 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.

Pay one flat subscription of $12 a month for 12 cards, with more available whenever you need them. There’s no free tier and no surprise fees. Our paying customers are the only reason Halocard exists and it helps ensure you’re the customer and never the product.

Some limits are outside of our control like gambling, crypto purchases and money transfers which Visa restricts as high-risk purchases. Halocard also can’t bypass payment restrictions enforced by merchants themselves, but we’ll always be upfront about where the blocker is.