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 NigeriaPrivate & Secure Virtual Cards
Create virtual Visa cards for online and in-person payments in Nigeria, the USA and wherever Visa is accepted. Keep your transaction history private & personal data protected with Halocard.
Trusted by 3,561 people around the world
1 of 10. Jeff, Canada. Seamless on GrapheneOS
Accepted at 175M merchants worldwide
Why Nigerians need Halocard for international payments
Real Visa credit cards issued from the USA
Nigerian banks suspended ALL international naira card transactions for three years (2022–2025). Even now, limits are just $1,000/quarter. Halocard gives you US-issued Visa credit cards with no local banking restrictions.
More virtual cards for every purchase
Create dedicated cards for SaaS subscriptions, freelance tools, and international services. 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 and passing address verification checks.
Independent of Nigerian bank restrictions
Halocard operates outside the Nigerian banking system. No CBN FX restrictions, no $1,000/quarter caps, no dependence on local dollar liquidity.
Why do Nigerian cards fail for international payments?
Nigerian banks suspended ALL international transactions on naira cards for nearly three years (2022–2025) due to severe FX pressures and dollar shortages. Banks only resumed international card use in July 2025, with strict quarterly caps of just $1,000. Halocard bypasses these restrictions entirely with US-issued Visa credit cards.
3 years
Duration of the suspension on international transactions for naira cards (2022–2025), leaving millions unable to pay for global services.
$1,000/qtr
Current quarterly limit on international transactions for naira cards — far too low for businesses and professionals.
Secure and reliable virtual cards with no hidden fees
Card types
Spending
Controls
Payments
3 steps to create your virtual credit card
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 bank transfer (1%).
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.
Choose a plan and create your first card in under 5 minutes
Essential
3 Virtual Cards
$12/mo
or $120 yearly (Save $24)
✨ Annual plans unlock:
2 Disposable Cards /mo
1 Physical Halocard
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
Pro
12 Virtual Cards
$15/mo
or $150 yearly (Save $30)
✨ Annual plans unlock:
6 Disposable Cards /mo
1 Physical Halocard
Everything in Essential
Virtual USD Account (coming September)
Elite
60 Virtual Cards
$75/mo
or $750 yearly (Save $150)
✨ Annual plans unlock:
12 Disposable Cards /mo
3 Physical Halocards
Everything in Pro
Priority support (2 hour SLA)
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.
How Halocard compares to Nigerian virtual card providers
Feature
Halocard
ALAT (Wema Bank)
Chipper
Card type
US Credit
NGN Prepaid
USD Prepaid
Availability
Global
Nigeria only
Africa-wide
Spending limit
None
Account limit
Account limit
Account funding
Card, Crypto, Stablecoins & Bank Transfers
Bank transfer
Mobile wallet
New virtual cards every month
12 / 30 / 60
1
1
ID verification required
Yes
Yes
Yes
Acceptance at US merchants
Excellent
Very limited
Moderate
Apple & Google Pay support
Yes
No
No
Custom billing address
Yes
No
No
Private purchases
Yes
No
No
Comparison reflects publicly available information as of May 2026. Competitor details subject to change.
Made with ❤️ to provide the virtual card experience you deserve
Instant funding
Top-up with stablecoins, card payments, or bank transfers in USD, EUR or GBP.
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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