How do Disposable Cards work?

Disposable cards are designed for making one-off purchases and are available with any annual plan.

When you create a disposable card, set a spending budget of $5,000 or less. The card remains active while a transaction is pending, then automatically cancels after its first transaction is settled (completed). This makes disposable cards useful when you only want to pay a specific merchant once.

Disposable cards will accept any billing address at checkout, meaning they automatically pass Address Verification System (AVS) checks with any address used at checkout. They cannot be added to Apple Pay or Google Pay.

Important: $0 completed transactions

Usually, a disposable card only cancels after a purchase is completed (settled) and funds are taken. However, some merchants may first authorize the card and later complete the transaction for $0. For example, to verify a card or cancel an order.

If this happens, no funds are taken from your balance, but the $0 purchase may still count as the card’s first completed transaction and cause the disposable card to cancel. This behaviour can vary between merchants and is unfortunately outside of Halocard's control.

Disposable Card Limits

Your Disposable Card quota replenishes every month, unlike regular virtual cards. Depending on your plan, you can create 3, 12, or 24 new disposable cards each month.

Separately, you can have a maximum of 10 active disposable cards at any time and spend a maximum of $5,000 every 24 hours using disposable cards.

Updated on: 18/10/2026