Privacy-first virtual credit cards that keep purchases private and off your bank statement. Create disposable cards for one-time purchases, protect your real card details from data breaches, and set limits on how much each card can be used.
Trusted by Privacy-first consumers from 120+ countriesSetting up Halocard on GrapheneOS was easy (although it requires JIT enabled in Vanadium) and affordable. Now I don't have to worry about data breaches with my card information because I have the virtual and disposable ones instead.
Lucca, United States
Halocard acts as shield between your primary bank account and the places you make purchases. Your transactions are never visible by your bank, and with custom billing addresses, you decide what information is shared with a merchant.
Create a card, make your purchase, and delete it. If a site gets hacked or sells your data, the card number is already gone. No risk to your real payment details.
Get notified the moment any charge hits your card. See something unexpected? Freeze the card in one tap. No waiting on hold, no calling your bank, no paperwork.
Sign up from 120+ countries with just a passport or national ID. No credit check, no US bank account needed. Fund with debit/credit card, bank transfer, stablecoins, or crypto.
Every Halocard starts as a virtual card: a full Visa number, expiry and CVC, issued in seconds and ready to use online straight away.
They are reloadable and run on a credit BIN rather than a prepaid one, which is why they are accepted at merchants that routinely decline prepaid cards.
A disposable card works like any virtual card until its first successful charge, then cancels itself. The number is spent. It cannot be billed twice.
Use one for a trial you don't intend to keep, or for any merchant you'd rather not leave a live number with.
A real Visa card for spending in person, drawing on the same shared balance as your virtual cards.
It answers to the same controls. Lock it, limit it or cancel it from the dashboard like any other card.
The ceiling is $1M a day. Below that your limit is simply your balance: deposit more, spend more.
Prepaid cards typically cap you somewhere around $10,000 a month regardless of what you have loaded.
You fund the account, not the card. Every Halocard draws on one balance, so there is no moving money between cards to cover a charge.
A new card costs nothing to create and needs no top-up of its own.
Halocards are held in US Dollars. Pay in another currency and Visa converts at its rate on the day, with Halocard's conversion fee on top.
Being USD-denominated is part of why a Halocard behaves like a US card at checkout, which matters at merchants that restrict signups by card country.
Give a card a daily, weekly or monthly limit and it declines anything above it.
A $20 monthly cap on the card you use for one subscription means a surprise price rise gets declined rather than charged. Limits apply per card and are editable at any time.
Both act immediately from the dashboard. Locking is reversible. The card authorises nothing until you unlock it, and then the same number carries on working. Cancelling retires the number for good, whatever the merchant has stored.
Lock the card you have misplaced or the subscription you are deciding about; cancel when you are done with a merchant entirely. Cancelling never strands money you are owed: refunds are credited to your account balance, not to the card, so they reach you either way.
Disposable cards cancel themselves the moment one transaction is successfully charged. No reminder to come back and switch it off.
It is the strongest defence against a merchant that quietly re-bills: the number simply is not there the second time.
Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets.
Both wallets work in the other direction too, as ways to top up your balance.
When a merchant asks for 3D Secure verification, Halocard issues a one-time code, so the extra step at checkout completes rather than dead-ends.
Refunds are credited back to your Halocard account balance and can take up to 14 business days to arrive. A wrong, fraudulent or contested charge can be disputed with Visa directly. The first dispute in any 12 months is free.
Halocards decline at adult, gambling, cryptocurrency and other merchant categories classed as high-risk. That is deliberate, not a gap.
Those categories attract the chargebacks that get an issuer's card ranges restricted, so blocking them is part of what keeps acceptance high everywhere else.
Read the full guide
Create your account from a web browser. No need to download an app.
Verify you're a real person in 3 minutes. No US residency required.
Add funds with a debit/credit card, bank transfer, stablecoins, or crypto.
That's it! Create disposable or dedicated cards for any purchase. Keep your spending private and your real card details safe.
$12/mo
or $120 yearly (Save $24)
✨ Annual plans unlock:
Spend up to $1M per day
Apple Pay & Google Pay
Limit, lock or cancel cards
Customizable billing address
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
$15/mo
or $150 yearly (Save $30)
✨ Annual plans unlock:
Everything in Essential
Virtual USD Account (coming September)
$75/mo
or $750 yearly (Save $150)
✨ Annual plans unlock:
Everything in Pro
Priority support (2 hour SLA)
Every person who joins via your referral link earns you a commission of $5 - $25 every month (up to $100 for businesses). Refer as few as 3 people and the Essential plan pays for itself. Refer beyond that and Halocard starts becoming serious income.
Card type
Availability
Spending limit
USD account
Account funding
ID verification required
Credit check performed
Acceptance at US merchants
Apple & Google Pay support
Custom billing address
Private purchases
Customer support
Comparison reflects publicly available information as of May 2026. Competitor details subject to change.
Top-up with debit/credit card, bank transfer, stablecoins, or crypto.
Spin up a new virtual card in seconds for any purchase. Use it once and delete it, or keep it for recurring private spending.
Lock any card instantly if it is compromised or you simply do not need it anymore.
Use a custom billing address for every card to keep your real address private and protect your identity online.
Visa 3D-Secure is supported whenever a merchant requests it to prevent fraud.
Manage all your private cards from your phone or desktop browser. No app required.
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