Made for Canadian ResidentsVirtual Cards for Canadians
Create US-based, virtual credit cards instantly, with no credit checks. Make payments in the USA and worldwide at 175M+ merchants. The best virtual card provider for Canadians is Halocard.
USD Virtual CardsFrom $12/month
Rated 4.9/5 by our clients
Halocard is accepted in Canada and at 175M+ merchants globally
“I run ads on US platforms and my Canadian Visa debit kept getting declined. Halocard gave me a US credit card in minutes — no more payment failures, no more currency conversion headaches.”
Sarah M.
Digital Marketer, Toronto
Already have a Canadian bank card? Here's why you need Halocard
Real Visa credit cards issued from the USA
Canadian debit cards are frequently declined by US merchants due to foreign BIN detection and AVS mismatches. With Halocard you create virtual credit cards directly on the US Visa network — processed as domestic US transactions.
More virtual cards for every purchase
Create dedicated cards for SaaS subscriptions, online shopping, and advertising spend. Isolate costs and prevent billing surprises.
Nominate a US billing address
Nominate a US billing address (or any custom address worldwide) on any card, essential for accessing US-only services like Amazon US, Hulu, HBO Max, and more.
Private purchases separate from your bank
Halocard doesn't connect to your Canadian bank via Interac or direct debit. Your spending never appears on your TD, RBC, or Scotiabank statement.
Why do Canadian cards often decline at US merchants?
Canadian debit and prepaid cards are routinely declined by US merchants because they carry non-US BINs and fail address verification (AVS) checks. Even Interac-linked Visa Debit cards can be rejected at US checkouts. Halocard solves this with US-issued Visa credit cards that process as domestic transactions, reducing the risk of declines.
15–25%
Decline rate for cross-border debit transactions. Canadian cards flagged as foreign at US checkouts face significantly higher rejection rates.
3.8%
Average decline rate for credit cards. US-issued credit cards have higher acceptance and avoid cross-border friction.
How to get a virtual credit card in 3 simple steps
1. Sign-up with a phone
Sign up from your browser. No app download needed.
2. Quick identity check
Verify you're a real person in less than 3 minutes. No US residency required.
3. Add funds to your account
Use stablecoins, debit/credit card or ACH/SWIFT bank transfer (coming soon).
Your virtual card is ready.
That's it! Your virtual cards can now be used for online and in-person purchases anywhere in the world where Visa is accepted.
Why Canadian users love Halocard for virtual cards
Virtual cards ready for Apple Pay & Google Pay
Add your virtual cards to Apple Pay or Google Pay. Tap to pay anywhere contactless is accepted in Canada, the US, or anywhere in the world. Halocard works alongside your existing Canadian cards in the same wallet.
Zero FX on USD purchases
Pay with USD virtual cards at US merchants with no foreign exchange fees. Compare that to the 2.5% FX markup at TD, RBC, or Scotiabank.
Virtual USD account included (coming soon)
A virtual USD account for ACH transfers and direct deposits, powered by SSB, Member FDIC. Send funds to your account and they're ready to spend via your virtual cards once settled.
Custom card controls
Set per-transaction, daily, and monthly limits, customise billing addresses, and instantly lock or cancel any card to prevent unwanted charges.
Privacy-first, always
Shield your real account details and personal information when shopping online from Canada. We will never sell your data to advertisers, data brokers, or any third party.
Made with ❤️ to provide the virtual card experience you deserve
Instant funding
Top-up with stablecoins, card payments and US/Global bank transfers (coming soon).
Instant card creation
Virtual cards ready to spend in seconds for your purchases and subscriptions.
Freeze on demand
Lock any card instantly or cancel it permanently if something feels wrong.
Custom billing address
Nominate a custom billing address in the US or anywhere in the world, for every Halocard.
3D-Secure Authentication
Visa 3D-Secure is supported whenever a merchant requests it to prevent fraud.
No apps to download
Your Halocards are accessible from your phone or desktop with no app download required.
How Halocard compares to Canadian virtual card providers
Feature
Halocard
KOHO
Wise
Card type
Availability
Spending limit
Account funding
New virtual cards every month
ID verification required
Acceptance at US merchants
Apple & Google Pay support
Custom billing address
Private purchases
Choose a plan and create your first card in under 5 minutes
Core
12 cards
$12/mo
or $120 per year (Save $24)
Unlimited spending
Custom card controls
Apple Pay & Google Pay
Virtual USD account (coming soon)
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
Plus
30 cards
$29/mo
or $290 per year (Save $58)
Unlimited spending
Custom card controls
Apple Pay & Google Pay
Virtual USD account (coming soon)
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
Teams
60 cards
$59/mo
or $590 per year (Save $118)
Unlimited spending
Custom card controls
Apple Pay & Google Pay
Virtual USD account (coming soon)
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
Full API Integration
2-hour Support SLA
Learn more about Virtual Cards
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