> ## Knowledge Base Index
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> Use this file to discover available pages before exploring further.
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# Can you guarantee Halocard will work for my purchases?

Halocard are virtual credit cards issued by Visa and accepted at over 175 million merchants globally, for both USD and non-USD purchases. 

While **we cannot guarantee acceptance at any specific merchant **(no card company can), we always recommend opening a Halocard account and testing whether our virtual cards work for your unique situation. As long as the merchant isn't [classified as high-risk by Visa](https://support.halocard.co/en/article/are-there-merchant-category-restrictions-for-halocard-1pb3ofs/), acceptance is generally very good. 

Please be aware there may scenarios that affect whether a **merchant accepts US-issued credit cards for your purchases**.

###### Why would a Merchant decline my purchase?

Merchants set their own account and regional-level rules that can either block payments before they reach our card network, or accept and instantly refund payments. These merchant-side rules are something Halocard cannot control. Common reasons for this include:

* Geographic restrictions (e.g. Attempting to purchase US-only services when you're outside the US)
* One-card-per-account or per-deal policies (e.g. Attempting to use multiple cards for promotions limited to one customer and one card)
* Merchant-side fraud and risk scoring on your account profile (e.g. Attempting to use a service in a way not permitted by their terms of use)

If a merchant is either:
1. Declining your Halocard **immediately at checkout** and before it reaches our card network, or
2. **Immediately refunding purchases** back to your Halocard,

They're **restricting your payments based on your profile or account activity**. This means they are likely not willing to accept a Halocard, or any US-issued credit card, being **used with your account**. This is unfortunately outside of Halocard's control. You should contact the merchant and seek clarification as to why they're not accepting a perfectly functioning Visa credit card issued in your name. 

###### How can I prevent a Merchant from declining my purchase?

1. Open a Halocard account and test with a small purchase to confirm acceptance.
2. Set a custom name and billing address on your Halocard that matches the details the merchant on your account. See: [How to set a custom billing address on Halocard](https://support.halocard.co/en/article/can-i-use-a-custom-name-and-billing-address-on-halocard-1yc2yy7/)
3. Ensure your account and usage of a merchant's services is in accordance with their terms of use.