Managing Cards
What happens if I delete or cancel a Halocard?
Virtual card limits are calculated overall, and do not replenish every month.
If you cancel or delete a card, you will reduce your card limit by 1 card. We recommend locking cards when they're not in use to avoid reducing your overall card limit.
If I cancel a virtual card, can I create a new one?
No, you will reduce the number of cards in your account by 1.
Can I received refunds to cancelled Halocards?
No, and you will need to ask the merchant to send any refunds to a diffeFew readersHow do I add my card to Apple Pay or Google Pay?
All Halocard virtual cards are compatible with Apple Pay and Google Pay and can be added to your mobile wallet when they're in an active and unlocked state.
Apple Pay
Make sure you Apple account is registered in one of Apple Pay's supported countries, then:
Open the Wallet app.
Tap + (top right).
Select Debit or Credit Card.
Tap Enter Card Details Manually.
Enter your Halocard details including Card numberPopularCan I use a custom name and billing address on Halocard?
Yes, you can set your own custom name and billing address from anywhere in the world, for every Halocard you create. This will allow you to control the information you share with merchants when making online purchases.
To set or change the billing address on your Halocard:
Go to your Cards screen
Select your desired card and click Edit
Edit the name and billing address of your card
Save your changes by clicking Apply Changes
Your new billing address will beSome readersCan 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?
Yes, physical Halocards can be ordered for $100, or are FREE with any Annual Plan.
Click New Card and then Physical to begin your order.
You can choose a custom name to be embossed on your card and priority shipping to your address is also available.
Physical cards function exactly like with virtual cards with configurable spending limits, custom billing address and can be added to [your Apple or Google Wallet](https://ask.halocard.co/en/article/how-do-i-setup-apple-pay-and-google-paFew readers
Using Cards
What does an Authorized purchase mean?
Every card payment happens in two stages: the merchant Authorizes the purchase to reserve the funds, then Completes it to actually claim them. This is why a transaction's amount or status can change shortly after you pay.
Authorized (Pending) - Funds are HELD
When you make a purchase, the merchant places a hold on the purchase amount via your card. This transaction shows as Authorized in your dashboard, but no money has moved — the funds stay in your Halocard account, reFew readersCan I choose any name or address at checkout?
Yes, you can use any name at checkout, but your billing address should match the one on your Halocard.
Name
The name you enter at checkout is not used to verify your card. Merchants do not check the cardholder name against the card details, so you're free to enter any name you like, whether that's your legal name (used for KYC), the name displayed on your Halocard, or something else entirely.
The card name you set in your Halocard Dashboard is purely for your own organisation (i.e. labFew 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.
Your Halocard's default address will be the address you specified during the identity verification process.
If you wish to set a custom billing address for your Halocards, see the article: Can I set custom billing address for my Halocards?
About Address VeriFew readersDoes Halocard support 3D Secure (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 or Email with your one-time, 3DS code to complete the transaction.
Please note: Halocard does not control when a merchant requests a 3D code for a purchase, we simply pass the code through to you when required.Few readers
Card Acceptance
Are there merchant category restrictions for Halocard?
Halocard generally works wherever Visa, Apple Pay and Google Pay are accepted, however, some physical and online stores (merchants) represent a higher risk to our card issuing and banking partners. These types of transactions typically have a higher probability of fraud and chargebacks and are regulated or illegal in some jurisdictions.
If a merchant falls into one of the following categories, your payment may be declined even if the merchant appears legitimate or claims they accept credit cardFeaturedWhy was my transaction declined?
A declined transaction does not always mean there is a problem with your Halocard.
Most declines are caused by incorrect details or payment rules outside of Halocard's control.
If one of your transactions is declined, please follow these steps:
If the transaction appears on your Halocard dashboard with the status "Declined"
When a purchase is declined, it appears in your card's transactions list in red and includes a decline reason that explains the problem. Below are several commoFeaturedCan merchants tell I'm using a virtual card?
No, merchants cannot determine whether a card is virtual or physical.
When you make a payment, your card's Bank Identification Number (BIN — the first six to eight digits of your card), indicates the card network (Visa), issuing country, and card type (for example, credit, debit, or prepaid). "Virtual" is not a card type and there is no flag in the transaction data that tells a merchant whether a card is virtual or physical, or that it was issued by Halocard specifically.
That said, some merchFew readers
Refunds & Disputes
How do I cancel my Halocard subscription?
To cancel your account, please choose the Cancel Subscription option in your Settings menu.
Once cancelled, your account will be placed on hold
Once your cancellation is processed, your account will be placed on hold at the end of your current subscription period. All active virtual cards will be locked and no new transactions will be processed.
There is a 30-day window if you wish to re-activate your account
You have 30 days to change your mind. During this time you canFew readersHow do refunds work on Halocard?
When a merchant issues a refund, it will be sent back to the same Halocard that was used for the original purchase.
Please ensure your Halocard is active and unlocked, in order to receive your refund.
I was refunded but it shows as a charge/deduction on my dashboard?
Refunds may initially appear as charges that are equal or less than your original purchase amount with the status 'Authorized'. This is normal behaviour and you will need to wait 1 - 3 business daysFew 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 businesses bill under aFew readersHow can I dispute a transaction and request a chargeback?
You can raise a dispute and initiate a chargeback from Visa if you believe a transaction is incorrect, unauthorized, or the result of fraud.
You can dispute one transaction free of charge every 12 months. For every subsequent dispute within 12 months, a $25 fee will apply. This dispute fee is levied by our issuing bank and we're unfortunately unable to subsidise multiple charges for every user.
Once submitted, a dispute typically takes 30 – 90 days to complete and the outcome is outside oFew readers
