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 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 for your card To save your changes click Edit Card 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?
Halocard currently only offers virtual cards that can be used for in-person payments 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 account as usual. Physical cards are not generally available yet. If you require a physical card, contact support and we can share the current status and expecFew 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 pay, the merchant checks your card and places a hold on the funds. The transaction shows as "Authorized" in your dashboard, but no money has moved — the funds stay in your Halocard account, reserved against youFew 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. 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 VerSome 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
Why was my transaction declined?
A declined transaction does not always mean there is a problem with your Halocard and 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 commonFeaturedAre 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 cardFeaturedWhere are Halocards accepted?
Halocards are USD denominated, virtual credit cards that function just like a normal credit card and can be used globally for online and in-person purchases wherever Visa, Apple Pay or Google Pay are accepted. Halocards are issued in the USA offering superior acceptance at US merchants and avoiding common payment issues experienced with traditional prepaid, debit card and foreign credit cards. While optimized for purchases at US merchants, Halocards can also be used globally for non-USD trFew readersCan you guarantee Halocard will work for my purchases?
We can't guarantee acceptance at any specific merchant. No card company can, because most declines happen on the merchant's side before a transaction ever reaches the card network. What we can tell you is where Halocard generally works and how to give yourself the best chance. Where Halocard works Halocard is accepted wherever Visa is, which is over 175 million merchants globally for both USD and non-USD purchases. As long as the merchant isn't classified as high-risk by Visa, acceptancFew readersCan I use Halocard for media buying and advertising accounts?
Yes, Halocards are generally supported as a payment method for media buying and advertising spend on Meta (Facebook), Google, TikTok, X (Twitter), Reddit, and related platforms. Please note, Payments on advertising platforms may be subject to account, region or other restrictions, which are outside of Halocard's control. We recommend your advertising platform accounts are in good standing before using Halocards for purchases. Please note that acceptance is ultimately determined by each advertiFew readersCan 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 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 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 days for the transactions tFew 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 the transaction is incorrect, unauthorized, or the result of fraud. For the record, we really don't like having to pass-through a fee here, but we're unfortunately unable to absorb these fees on every user's behalf. Once submitted, a dispute typically takes 30 – 90 days to complete and the outcome is outside of Halocard's controlFew readers