Finally paying for Claude and OpenAI from outside the US
Each one on its own card with a sensible monthly cap so if anything dodgy happens I'll catch it. That's the whole reason I started using virtual cards in the first place.
Samantha, Australia
Virtual Cards for Shopping & Subscriptions
Halocard is a US-issued Visa credit card for subscriptions and online shopping, for customers in the US and 120+ countries. Give every subscription its own card, cap it at its monthly price, and cancel any one without touching the rest.
Trusted by Privacy-first consumers from 120+ countries
1 of 10. Samantha K., Australia. Finally paying for Claude and OpenAI from outside the US
Halocard explained by the Founder
The most flexible virtual card for online shopping
One card per subscription, total control
Create a dedicated virtual card for Netflix, Spotify, Amazon, and every other service you use. If a free trial tries to charge you, just freeze that one card.
Set budgets per service
Cap each subscription card at its monthly cost. No surprise charges, no price increases slipping through. If a service raises its price, the charge simply declines.
Real-time spending alerts
Get instant notifications the moment any subscription charges your card. Spot unwanted renewals immediately and freeze the card before the next billing cycle.
Shop from the US and 120+ countries
Sign up from the US or any of 120+ countries with just a passport or national ID. No credit check or US bank account needed. Access US-only stores and services from anywhere.
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 guideStart managing your purchases in 3 simple steps
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
That's it! Create dedicated cards for Netflix, Spotify, Amazon, and every other subscription or store you use. Set limits and start shopping.
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.
Shopping & Subscription FAQs
Can I use Halocard for Netflix, Spotify, and other streaming services?
Yes. Halocard issues US-based Visa credit cards accepted at all major streaming platforms including Netflix, Spotify, Disney+, YouTube Premium, and more. Create a separate card for each service to manage costs independently.
What is the best virtual credit card for subscriptions?
The best virtual credit card for subscriptions lets you give each service its own card with its own limit. Halocard is a US-issued Visa credit card: create a card per subscription and set its limit to the exact monthly cost. If a service raises its price unexpectedly, the charge declines automatically, so you stay in control of every recurring payment.
Can I cancel a subscription without affecting other services?
Absolutely. Each subscription runs on its own card. Freeze or delete one card and every other subscription continues working normally. No more updating payment details across a dozen services when something changes.
Will Halocard work with Amazon, eBay, and online stores?
Yes. Halocard virtual cards are accepted at all major online retailers that take Visa credit cards, including Amazon, eBay, Walmart, Target, and thousands of other stores worldwide.
Can I use Halocard for free trials without getting charged?
Yes. Create a virtual card with a low spending limit for a free trial. When the trial ends and the service tries to charge you, the transaction declines automatically. No need to remember cancellation dates.
Do I need a US address or SSN to sign up?
No. Halocard is for customers in the US and 120+ countries. You only need a valid passport, driver's license, or national ID and a selfie. No SSN, no US residency, and no credit check required.
How do I fund my Halocard account?
Fund via debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.
What if a subscription overcharges my card?
Because each card has its own spending limit, an overcharge on one card cannot affect your other cards or your total balance. You can also freeze any card instantly from your dashboard and dispute the charge through our support team.
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.
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).
Are virtual cards safer than physical cards?
Yes. Each virtual card has a unique number, so if used correctly, a breach at one merchant can't affect your other cards. Also, virtual cards are separate from your real card and bank details keeping your personal information protected.
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 other virtual card providers
Best choice | Capital One | Privacy.com | |
|---|---|---|---|
| Card | US Credit Card | US Debit Card | US Charge Card |
| Availability | For residents of the US and 120+ countries | US residents only | US residents only |
| Account funding | Card, Apple Pay, Google Pay, Bank Transfer, Stablecoins & Crypto | US bank transfer | US bank connection via third party (Plaid) required |
| Spending limit | Account balance and up to $1M per day | Account balance | $100 per purchase and $500 per card for new accounts |
| USD bank account | Yes | Yes | No |
| Acceptance at US merchants | Excellent | High | High |
| Apple Pay & Google Pay | Yes | No | Pro & Premium plans only |
| Physical Cards | Yes | Yes | No |
| Custom billing address | Yes | No | Yes |
| ID verification required | Yes | Yes | Yes |
| Credit check performed | No | Yes | No |
| Your data used for advertising | No | Yes, via Capital One Ad Solutions | No |
| Customer support | Chat with real humans, phone or email | AI chatbot or call center | Support ticket only |
Comparison reflects publicly available information as of October 2026. Competitor details subject to change.
Built for people who want full control over their subscriptions
Instant funding
Top-up with debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.
Instant card creation
Spin up a new virtual card in seconds for each subscription or online store.
Freeze on demand
Lock any card instantly to stop an unwanted renewal or pause a subscription you are not using.
Custom billing address
Use a custom billing address for every card to protect your personal details from online retailers.
3D-Secure Authentication
Visa 3D-Secure is supported whenever a merchant requests it to prevent fraud.
No apps to download
Manage all your subscription cards from your phone or desktop browser. No app required.
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