Managing Cards
How do I setup Apple Pay and Google Pay?
You can add your Halocards to both Apple Pay and Google Pay by following the instructions below.
Apple Pay
Before you begin, make sure you have an iPhone with Face ID or Touch ID, Apple Pay enabled, and your Halocard card details handy.
Open the Wallet app.
Tap + (top right).
Select Debit or Credit Card.
Tap Enter Card Details Manually.
Enter your Halocard details including Card number. Expiry date and CVV.
Review and accept the terms.
Complete veriFew readersCan I set custom billing address for my Halocards?
Yes, you can set a custom billing address for every Halocard you create.
If you do not set a custom billing address, your Halocard will use your default address provided during your identification check.
A billing address is associated with your Halocard for payment verification and compliance purposes. Merchants receive only the information required to perform billing and address verification checks, and your full personal details are not shared or exposed.
If your purchases aPopularCan I restore a cancelled card?
No, once a Halocard is cancelled, it unfortunately cannot be restored.
Cancelling a card permanently closes it and prevents any further transactions. This action is irreversible for security and compliance reasons.
If you’re unsure whether you should cancel a card, consider locking it instead, which temporarily disables the card while keeping it available for future use.Few readersCan I get a physical card?
Halocard currently offers virtual cards that can be used immediately for in-person payment by adding them to your Apple or Google Wallet.
Once added, you can tap and pay anywhere contactless payments are supported, and all purchases appear in your Halocard dashboard as usual.
Physical cards are not generally available yet. If you require a physical card, contact support and we can share the current status aFew readers
Using Cards
Can I choose any name or address at checkout?
It depends on how strictly the merchant verifies billing details at checkout.
AVS (Address Verification Service) is a standard check used by many merchants to compare the billing details you enter with the address on file for your card to prevent fraudulent transactions.
If a merchant does not enforce AVS, you may be able to enter flexible billing details that don’t exactly match the billing address on your Halocard.
If a merchant does enforce AVS, the billing ZIP/postcode, and in somFew readersDoes Halocard support AVS (Address Verification System)?
Yes, Halocards support Address Verification System (AVS) checks that are required by some merchants to verify payment information.
When making online purchases, please ensure you specify the correct billing address for your Halocard at checkout. To learn how to set a custom billing address for Halocards, see the article: Can I set custom billing address for my Halocards?
About Address VerificaFew readersDoes Halocard support 3DS (3D-Secure) or Verified by Visa?
Yes, Halocard supports 3D-Secure (3DS) authentication, sometimes referred to as Verified by Visa (VbV), as an additional security measure for payment verification.
When a 3D-Secure code is requested by an merchant to verify an online purchase, you will receive an SMS to your Halocard registered phone number with your one-time, 3DS code to complete the transaction.
If you change your mobile number in the future, please ensure you change the number associated with your Halocard account so your aFew readersWhy was my transaction declined?
A declined transaction does not always mean there is a problem with your Halocard. Most declines are caused by failed merchant checks or payment rules outside our control. Below are several common decline reasons and suggested ways to resolve them.PopularCan I use Halocard to sign-up for free-trials?
Yes, Halocard can be used to sign up for free trials on many websites.
When creating a card for a free trial, you can set a spending limit that matches the expected cost of the service. This helps ensure the card cannot be charged beyond what you expect once the trial ends.
Some merchants apply additional checks for free trials, such as charging a small authorization amount to confirm the card is vaFew readers
Refunds & Disputes
How do refunds work on Halocard?
Refunds are initiated and processed by the merchant, not by Halocard directly. When a merchant issues a refund, it will be sent back to the same Halocard that was used for the original purchase.
Refunds usually take 5–10 business days, however may take longer depending on the merchant, card network, or bank processing times. Refunds may also appear as pending on your Halocard account before they are completed.
What if my Halocard is locked or cancelled when a refund is receivFew readersWhat should I do if I suspect fraud on my Halocard?
If you believe a transaction may be fraudulent, act immediately. Locking your card and contacting support helps prevent further charges and protects your account.
Step 1: Secure your card
As soon as you suspect fraud:
Lock the affected Halocard immediately to stop further transactions
Contact Halocard support so we can assist
Step 2: Review the transaction
Before assuming fraud, review the transaction details:
Review the merchant name, as some businessFew readersHow can I dispute a transaction and request a chargeback?
You can dispute a transaction and request a chargeback if you believe the transaction is incorrect, unauthorized, or the result of fraud.
Step 1: Check the charge
Before requesting a chargeback, review the transaction carefully:
Merchant looks unfamiliar? Charges are often billed under a parent company or payment processor.
A recent subscriptions or free trial? Renewals and trial conversions are the most common cause of unexpected charges.
Date or amount looks differentFew readers
