Seamless on GrapheneOS
I use Halocard on GrapheneOS and it's been a very seemless experience. Support is great (I have went to them with some questions before), and I have yet to run into an issue.
Jeff, Canada
Accepted in FrancePrivate & Secure Virtual Cards
Create virtual Visa cards for online and in-person payments in France, the USA and wherever Visa is accepted. Keep your transaction history private & personal data protected with Halocard.
Trusted by Privacy-first consumers from 120+ countries
1 of 10. Jeff, Canada. Seamless on GrapheneOS
Halocard explained by the Founder
Accepted at 175M merchants worldwide
Already have a French bank card? Here's why you need Halocard
Real Visa credit cards issued from the USA
EU-issued debit cards from French banks are often declined by US merchants due to foreign BIN detection and EUR/USD conversion issues. With Halocard you create virtual credit cards directly on the US Visa network.
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 French bank. Your spending never appears on your BNP Paribas, Société Générale, or Crédit Agricole statement.
Why do French bank cards fail at US merchants?
EU-issued card BINs are frequently declined by US merchants due to foreign transaction flags and address verification mismatches. EUR/USD conversion adds friction, and as Europe moves toward its own payment systems like Wero, French cards face increasing incompatibility with US payment infrastructure. Halocard bypasses all of this with US-issued Visa credit cards.
15–25%
Higher decline rate for EU cards at US merchants compared to domestic US cards, due to foreign BIN detection and currency mismatch.
3.8%
Average decline rate for credit cards. US-issued domestic credit cards avoid cross-border friction entirely.
Secure and reliable virtual cards with no hidden fees
Card types
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.
Physical card, free with any annual plan or $100 on a monthly plan.
Funding
Top up with a debit or credit card, or through Apple Pay and Google Pay.
Funds land on your shared balance and are spendable by any of your cards immediately.
Read the full guideFund your balance with stablecoins (USDC, USDT) or with BTC, ETH and SOL, converted to your USD balance on arrival.
For a lot of members this is the point of Halocard: it turns crypto holdings into something spendable at ordinary Visa merchants.
Read the full guideSend CAD, EUR, GBP straight from your bank and it converts to USD when it lands on your balance, or send USD directly.
Read the full guideSpending
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.
Controls
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.
Payments
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 guide3 steps to create your virtual credit card
1. Sign up
Create your account from a web browser. No need to download an app.
2. Verify
Verify you're a real person in 3 minutes, from the US or any of 120+ countries.
3. Fund
Add funds by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.
Pay with Halocard
Pay online and in-person wherever Visa is accepted. You can also order a physical Halocard if you prefer.
Choose a plan and create your first card in under 5 minutes
Essential
3 Virtual Cards (total)
Annual plans include special features:
2 Disposable Cards /mo
1 Physical Halocard
$12/mo
or $144 yearly
Minimum initial deposit of $30
Spend up to $1M per day
Virtual USD Bank Account
Apple Pay & Google Pay
Limit, lock or cancel cards
Customizable billing address
0% fee on USD purchases
1.5% + $0.30 FX fee on non-USD purchases
Chat, Email & Phone Support
Pro
12 Virtual Cards (total)
Annual plans include special features:
6 Disposable Cards /mo
1 Physical Halocard
$15/mo
or $180 yearly
Minimum initial deposit of $100
Everything in Essential
Elite
60 Virtual Cards (total)
Annual plans include special features:
12 Disposable Cards /mo
3 Physical Halocards
$75/mo
or $900 yearly
Minimum initial deposit of $300
Everything in Pro
Want Halocard for FREE?
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.
Frequently Asked Questions
How do I fund my account?
Fund via debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.
How do refunds work with virtual cards?
Refunds are credited straight back to your Halocard account balance, ready to spend on any of your cards. You don't need to keep the original card open. If you have cancelled it, the refund still reaches you. Refunds can take up to 14 business days to arrive.
What ID do I need to sign up from France?
A French passport, carte nationale d'identité, or driving licence and a selfie. That's it. Verification usually takes under 3 minutes.
Is there a minimum deposit required?
Halocard asks for a minimum initial deposit for service quality and fraud-prevention reasons. The minimum rises with the number of cards on your plan: Essential requires an initial deposit of $30 (then $30+ thereafter), Pro an initial deposit of $100 (then $30+ thereafter), and Elite an initial deposit of $300 (then $100+ thereafter).
Can I make purchases in person?
Yes. Add any Halocard to Apple Pay or Google Pay and tap to pay in store, including at ATMs that accept phone wallets. You can also order a physical Halocard, a real Visa card drawing on the same shared balance and answering to the same controls, for the places that still want a card in hand.
Why do French cards get declined at US merchants?
French and EU-issued cards carry non-US BINs that trigger fraud filters and fail address verification at US merchants. Currency conversion from EUR to USD adds another layer of friction. Halocards are US-issued, so US merchants see a domestic Visa credit transaction.
Do you run credit checks?
No. Zero soft or hard credit pulls. Your credit score is never touched, and we will never sell your data to advertisers, data brokers or third parties.
Why isn't Halocard free?
We're a small, independent team with no venture capital. Your subscription is our business model. It funds the product, support, and our independence. We don't make money from your data, merchant commissions, or selling you financial products. Paying customers means we answer to you, not advertisers. That said, you can make Halocard effectively free by referring others and earning a monthly commission that offsets your subscription.
What if I only need one card?
Our smallest personal plan starts at $12/month and doesn't offer a single-card option. Multiple cards are core to how Halocard works: one for subscriptions, one for real-world spending, and one for online purchases you can instantly lock if compromised. Even if you start with one, you have more available when you need them.
Is Halocard a Privacy.com alternative for France?
Yes. Privacy.com is only available in the US and for US residents. Halocard gives the French the same capabilities including temporary cards, per-card spending limits, and the privacy of purchases not appearing on your French bank statement.
I already have a Revolut or N26 card. Why do I need Halocard?
Your EU card works great in Europe. But for US-only merchants, AI platforms, and advertising networks, you need a US-issued credit card with a US billing address. Halocard complements your existing French bank, rather than replaces it.
What is a virtual card?
A virtual card is a digital payment card with a unique number for online and mobile wallet purchases. It works like a physical card but gives you more control, privacy, and fraud protection. You can create a new card for each purchase or subscription.
Still have questions?
How Halocard compares to French virtual card providers
Best choice | Revolut | N26 | |
|---|---|---|---|
| Card type | EU Debit | EU Debit | |
| Availability | For residents of the US and 120+ countries | EU residents only | Global |
| Spending limit | Account balance and up to $1M per day | Account limit | Account limit |
| Account funding | Card, Apple Pay, Google Pay, Bank Transfer, Stablecoins & Crypto | Bank transfer | Bank transfer |
| Virtual cards | 3 / 12 / 60 | 4 | 1 (free tier) |
| ID verification required | Yes | Yes | Yes |
| Acceptance at US merchants | Excellent | Limited | Limited |
| Apple & Google Pay support | Yes | Yes | Yes |
| Custom billing address | Yes | No | No |
| Private purchases | No | No |
Comparison reflects publicly available information as of October 2026. Competitor details subject to change.
Made with ❤️ to provide the virtual card experience you deserve
Instant funding
Top-up with debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.
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.
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