Monetiro231 services on the ledger · last checked September 12, 2026
ENRU
≥$1.50/$100
Who forTake it?CostsPlatformsHow it worksContradictionsHow we checked
Cards for ad spend
Halocard

Halocard

VisaSolo buyerTeamE-commerce
Asks for everythingOperational

Halocard sells US-issued virtual Visa credit cards — secured against your own deposit, issued by Third National in Puerto Rico — on a flat monthly subscription rather than a commission on each top-up: from $12 a month for three cards, with no authorisation, per-transaction or declined-payment fee. Verification is mandatory and there is no anonymous option, so it competes on predictable pricing and a US card rather than on privacy. The fact that defines the product is that deposits are one-way: the help centre states funds cannot be withdrawn, so money leaves the account only by being spent on the cards.

Total, per $100 of ad spend: ≥$1.50per $100 of ad spend

At least one component of the price is not published, so the real figure can only be higher.

Open halocard.coNot a paid link: we earn nothing either way.

Who it is for

Someone outside the US who wants a predictable, fully verified US Visa card for software and advertising spend and accepts that whatever is deposited can only leave as card spending.

Whether to take Halocard

In its favour

  • A flat subscription instead of a commission on every top-up: $12 a month for three cards, with a published fee table showing $0 authorisation, $0 transaction, $0 declined-transaction and 0% cross-border fees.
  • USDT and USDC deposits are credited free on Arbitrum, Avalanche, Base, Optimism, Polygon, BSC and Solana; BTC, ETH and SOL cost 1%.
  • Every card spends from one shared account balance, so no money is stranded on individual cards, and a limit can be set per transaction or per day, week, month or year.
  • Both the issuer and the legal entity are named: Visa cards issued by Third National in Puerto Rico for Halocard LLC of Wyoming, with a founder who posts publicly under his own name.
  • Identity verification through Sumsub takes minutes and Halocard states outright that it does not sell anonymous cards or cards that bypass compliance checks, so the marketing and the KYC model agree.
  • The help centre names Meta, Google, TikTok and X among supported platforms for advertising spend, and each card carries a US billing address with AVS support.

Against it

  • Money that goes in cannot come back out: the help centre states that funds cannot be withdrawn from a Halocard account, and Halocard's own advice is to keep using the cards until the balance is spent.
  • Suspension is unilateral and the terms of service allow an account to be terminated without prior notice and funds to be held or frozen during an investigation; on suspension all cards lock immediately and are deleted after seven days.
  • Residents of 17 countries, including Russia, Turkey, Ukraine, Belarus, India, China and Vietnam, cannot be issued cards at all, and business accounts face a longer list that adds Hong Kong, Bulgaria, Croatia, Monaco, Lebanon, Yemen, Haiti and ten African countries.
  • There is a single BIN and no rotation, so one issuer-level decision at a payment platform affects every card on the account at once.
  • The independent record is close to non-existent: around ten Trustpilot reviews, all positive and most answered by the founder, a subreddit opened and run by the company, comparison articles all bylined by the founder, landing-page testimonials with broken grammar that read as invented, and a FinCEN money-services registration number quoted in the help centre that could not be corroborated in any reachable register.
  • The consumer cardholder agreement limits the cards to personal, family or household use and the terms ban acting as a payment facilitator or handling third-party money, so paying a client's invoices requires the business tier at $29 a month and up, with EIN, incorporation documents and identification for every 25% owner.
  • Gambling, crypto purchases and money transfers are blocked as transaction types, a card auto-locks after four consecutive declines, one dispute per 12 months is free and each one after that costs $25, downgrading a plan cancels every card above the new quota, and subscription fees are billed in advance and non-refundable.
  • The card quota is spent permanently rather than monthly: the help centre states that cancelling or deleting a card reduces the plan's card limit by one and that a replacement cannot be created, so anyone who burns a card per ad account has to lock cards instead of deleting them or keep buying a bigger plan, and a refund that arrives after a card is cancelled cannot be credited at all.

What Halocard charges

Balance top-upFree
Per transactionFree
Outside the card's currency1.5%
To issue a cardFree
Monthly$12
Per declined paymentFree

Not published: card top-up, minimum top-up.

Pricing is a subscription plus deposit fees, not a per-top-up commission. The public pricing blocks show only Essential at $12 a month for 3 cards and Pro at $15 for 12; the rest of the ladder appears only in the help centre — Elite at $75 for 60 cards, then Business Core $29 (30 cards, 3 users), Growth $99 (100 cards, 10 users), Scale $199 (300 cards, 30 users) and Enterprise $299 (500 cards, 50 users), with two months free on annual billing. There is no free tier and subscription fees are billed in advance and non-refundable. Deposits: USDT and USDC free, BTC, ETH and SOL 1%, ACH, SEPA and UK Faster Payments 1%, card and Apple or Google Pay 5% — Halocard's own blog contradicts the help centre by quoting 3% on layer-1 tokens. Spending: $0 on US dollar purchases, $0 authorisation, $0 declined transaction, 0% cross border, and 1.5% plus $0.30 on any non-USD transaction; an ATM withdrawal costs 1.5% plus $1.00 and an ATM balance enquiry or decline costs $1.00. One dispute per 12 months is free, $25 for each one after. The cardholder agreements add penalty fees that no pricing page mentions and disagree with themselves about them: a returned payment is up to $29 in one table, $35 in section 6.1(b) of the same document and none at all in the US agreement, and late payment is up to $40 against 2% of the outstanding balance. The minimum deposit is not settled — $70 initial and $30 subsequent in the help centre against $100 on the homepage and the business page — so it is left blank here. Physical card pricing is equally unsettled: $100, free on annual plans, in one help-centre article, and coming soon on every pricing block.

The platforms it names

Halocard names 4 platforms it is built for. A service is listed under a platform only where it says so itself — not where a review says it for them.

  • Meta Ads
  • Google Ads
  • TikTok Ads
  • X Ads

How it works

BINs1 · US
Cards500
3D SecureSMS
Getting inDeposit to open
Seats50

Where Halocard contradicts itself

10 places where the provider's own pages disagree with each other. Nothing here is our judgement — each line quotes both sides.

  • The help centre states a $70 initial and $30 subsequent minimum deposit, while the homepage FAQ and the business page both still say the minimum deposit is $100.
  • One help-centre article prices a physical card at $100, free with an annual plan, while every pricing block on the site lists physical cards as coming soon.
  • The help centre charges 1% on BTC, ETH and SOL deposits, while Halocard's own blog states 3% on layer-1 crypto tokens.
  • The International Cardholder Agreement gives a returned-payment fee of up to $29 in its disclosure table, $35 in section 6.1(b) of the same document, and the US agreement says there is none.
  • Late payment is given as up to $40 in the International Cardholder Agreement fee table and as 2% of the current outstanding card balance elsewhere in the same set of documents.
  • The deposit page lists seven networks for stablecoins and excludes Ethereum mainnet, while both cardholder agreements define the supported blockchains as Ethereum, Polygon, Optimism and Arbitrum.
  • Availability is stated as 140+ countries on the cards page, 144 countries on the business and affiliate pages and 144+ countries on the advertising landing pages.
  • The public pricing blocks show only the $12 Essential and $15 Pro plans, while the help centre lists an Elite plan at $75 and four business plans running up to $299.
  • The cardholder agreement restricts the cards to personal, family or household use and the terms of service ban acting as a payment facilitator or handling third-party funds, while Halocard's own landing pages sell the cards for Meta, Google, TikTok and X ad spend and its business plans are marketed to teams.
  • A help-centre availability article lists 19 US states as unsupported, while section 5.3 of the terms of service lists 17 prohibited countries and no state exclusions at all.

How we checked

Every figure on this page was read off halocard.co on 12 August 2026. Where Halocard publishes nothing, this page prints a dash rather than an estimate.

Operated byHalocard LLC
Registered inWyoming, USA
Open halocard.coNot a paid link: we earn nothing either way.