Why isn't Halocard free?

We're a small, independent team with no venture capital. Paying customers are the only reason Halocard exists and your subscription funds our entire business model -- The product, customer support, and our independence. This structure means we answer to you, not advertisers, data brokers, or investors looking for a return.

It also means we can offer genuine Visa Credit Cards with global acceptance across 175M+ merchants, rather than the debit or prepaid cards that free providers typically offer which have high decline rates for subscriptions, travel and international merchants, rendering them unusable when you need them most.

We deeply respect your privacy. A paid model is the only way we can make Halocard available to as many users globally as possible, while ensuring you are the CUSTOMER, not the PRODUCT.

Updated on: 02/07/2026