Accepted in Hong KongCreate virtual Visa cards for online and in-person payments in Hong Kong, the USA and wherever Visa is accepted. Keep your transaction history private & personal data protected with Halocard.
Trusted by Privacy-first consumers from 120+ countriesI checked 10 different virtual card options - and HaloCard was the only one that offered a billing address option that was outside of my region and where I didn't need to use crypto currency to top up the card or needed to be a registered company to sign up.
Kim, Hong Kong
Hong Kong prepaid and debit cards are frequently declined by US merchants, AI platforms, and ad networks, which interrupts online purchases and subscriptions. With Halocard you can create a virtual credit card in Hong Kong directly on the US Visa network, so your payments are processed as domestic US transactions.
Create dedicated cards for AI subscriptions, online shopping, and advertising spend, each with its own spending limit for recurring payments. Isolate costs and prevent billing surprises, something the Octopus Mastercard and RedotPay can't offer.
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.
Halocard doesn't connect to your Hong Kong bank via Plaid or any third party. Your spending never appears on your HSBC, Hang Seng, or Standard Chartered statement, keeping your purchases private and your main card details away from merchants.
Prepaid cards like the Octopus Mastercard and crypto debit cards like RedotPay are often flagged by US address verification systems (AVS) and declined as foreign transactions on US websites. Halocard solves this with US-issued Visa credit cards that process as domestic transactions, dramatically reducing the risk of declines.
Average decline rate for debit cards. Cross-border transactions have an even higher failure rate of 15–25%.
Average decline rate for credit cards. Domestic credit cards have higher acceptance and solve these problems.
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.
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 guideThe 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, from the US or any of 120+ countries.
Add funds by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.
Pay online and in-person wherever Visa is accepted. You can also order a physical Halocard if you prefer.
Annual plans include special features:
$12/mo
or $144 yearly
Minimum $30 deposit to start
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
Annual plans include special features:
$15/mo
or $180 yearly
Minimum $100 deposit to start
Everything in Essential
Annual plans include special features:
$75/mo
or $900 yearly
Minimum $300 deposit to start
Everything in Pro
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.
Best choice | Octopus Card | RedotPay | |
|---|---|---|---|
| Card | US Credit Card | HK Prepaid | HK Prepaid |
| Availability | US residents and residents of 120+ countries | Hong Kong only | Global |
| Account funding | Card, Apple Pay, Google Pay, Bank Transfer, Stablecoins & Crypto | HKD wallet | Crypto only |
| Spending limit | Account balance and up to $1M per day | Account limit | Account limit |
| US bank account | Yes | No | No, SWIFT details only |
| Acceptance at US merchants | Excellent | Limited | Limited |
| Apple Pay & Google Pay | Yes | Yes | Yes |
| Physical Cards | Yes | No, the Mastercard is virtual only | Yes |
| Custom billing address | Yes | No | No |
| ID verification required | Yes | Yes | Yes |
| Credit check performed | No | Not disclosed | Not disclosed |
| Your data used for advertising | No | Yes, via advertising cookies | Yes, with your consent |
| Customer support | Chat with real humans, phone or email | Phone or WhatsApp chat | 24/7 live chat or email |
Comparison reflects publicly available information as of October 2026. Competitor details subject to change. Names and logos are trademarks of their respective owners; their use does not imply any affiliation with or endorsement from them.
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