Managing Cards

• How do I setup Apple Pay and 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 numberFew readers

• Can 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 readers

• Can 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 readers

• Can 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 readers

• Can 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 readers

• Does 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 VeriSome readers

• Does 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 cardFeatured

• Why 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 commoFeatured

Card Fees

• Are there any fees when using Halocards?

  There are no transaction fees to worry about when using Halocard for USD purchases either online, or in-person, via Apple/Google Pay. Non-USD purchases may attract an international transaction fee to cover currency conversion and overseas payment processing. Transaction feesFeatured

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 readers

• How 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 readers

• What 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 readers

• How 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, un-authorized, or the result of fraud. Please note a $37.50 fee applies for every transaction you choose to dispute via Visa.For the record, we really disagree with having to charge a fee for this, however, Visa charges a fee for raising disputes and we're unfortunately unable to absorb these on every user's behalf. Once submitted, a dispute typically takes 30 – 90 days to completeFew readers