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 3,562 people around the worldI 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. With Halocard you can create virtual credit cards directly on the US Visa network — processed as domestic US transactions.
Create dedicated cards for AI subscriptions, online shopping, and advertising spend. 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.
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. 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.
Sign up from your browser. No app download needed.
Verify you're a real person in less than 3 minutes. No US residency required.
Use stablecoins, debit/credit card, or bank transfer (1%).
That's it! Your virtual cards can now be used for online and in-person purchases anywhere in the world where Visa is accepted.
$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
Account funding
New virtual cards every month
ID verification required
Acceptance at US merchants
Apple & Google Pay support
Custom billing address
Private purchases
Comparison reflects publicly available information as of May 2026. Competitor details subject to change.
Top-up with stablecoins, card payments, or bank transfers in USD, EUR or GBP.
Virtual cards ready to spend in seconds for your purchases and subscriptions.
Lock any card instantly or cancel it permanently if something feels wrong.
Nominate a custom billing address in the US or anywhere in the world, for every Halocard.
Visa 3D-Secure is supported whenever a merchant requests it to prevent fraud.
Your Halocards are accessible from your phone or desktop with no app download required.
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