halocard.co

{"@context":"https://schema.org","@type":"Organization","name":"Halocard","url":"https://halocard.co","logo":"https://halocard.co/images/homepage/logos/logo-halocard-black.png"}

{"@context":"https://schema.org","@type":"WebSite","name":"Halocard","url":"https://halocard.co"}

{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is a virtual card?","acceptedAnswer":{"@type":"Answer","text":"A virtual card is a digital payment card with a unique number for online and mobile wallet purchases. It works like a physical card but gives you more control, privacy, and fraud protection. You can create a new card for each purchase or subscription."}},{"@type":"Question","name":"How do virtual cards work?","acceptedAnswer":{"@type":"Answer","text":"Create a virtual card instantly, fund it, and use the unique card number online or via Apple Pay/Google Pay. Set spending limits and lock or delete card instantly to prevent any future charges."}},{"@type":"Question","name":"Why isn't Halocard free?","acceptedAnswer":{"@type":"Answer","text":"We're a small, independent team with no venture capital. Your subscription is our business model — it funds the product, support, and our independence. We don't make money from your data, merchant commissions, or selling you financial products. Paying customers means we answer to you, not advertisers."}},{"@type":"Question","name":"Are virtual cards safer than physical cards?","acceptedAnswer":{"@type":"Answer","text":"Yes. Each virtual card has a unique number, so if used correctly, a breach at one merchant can't affect your other cards. Also, virtual cards are separate from your real card and bank details keeping your personal information protected."}},{"@type":"Question","name":"How is this different from Privacy.com?","acceptedAnswer":{"@type":"Answer","text":"Halocard works internationally (144 countries, no SSN needed), uses credit cards for higher acceptance, doesn't require Plaid bank linking, and removes your data from our servers after verification."}},{"@type":"Question","name":"Do you run credit checks?","acceptedAnswer":{"@type":"Answer","text":"No. Zero soft or hard credit pulls. Your credit score is never touched, and we will never sell your data to advertisers, data brokers or third parties."}},{"@type":"Question","name":"How do I fund my account and what are the fees?","acceptedAnswer":{"@type":"Answer","text":"Fund via stablecoins (free), cryptocurrency (1%), credit/debit card (5%), or bank transfer (1%). Minimum deposit amount is $100. Subscription plans start from $12/month. No hidden fees."}},{"@type":"Question","name":"Can I also use virtual cards abroad?","acceptedAnswer":{"@type":"Answer","text":"Yes. Your Halocard virtual cards are accepted globally. Domestic (USD) purchases are free and international (non-USD) purchases carry a 1.5% foreign exchange fee charged by Visa, but there are no surprises."}},{"@type":"Question","name":"What if I only need one card?","acceptedAnswer":{"@type":"Answer","text":"Our smallest personal plan starts at $12/month and doesn't offer a single-card option. Multiple cards are core to how Halocard works — one for subscriptions, one for real-world spending, and one for online purchases you can instantly lock if compromised. Even if you start with one, you have more available when you need them."}},{"@type":"Question","name":"What ID do I need to sign up?","acceptedAnswer":{"@type":"Answer","text":"A passport, driver's license or national ID card, and a selfie. Residents of the US may be asked to provide their SSN or ITIN. Our identity check usually takes less than 3 minutes."}},{"@type":"Question","name":"How do refunds work with virtual cards?","acceptedAnswer":{"@type":"Answer","text":"Refunds are sent back to the original Halocard the purchase was made on, and most process within 5–14 business days. If that Halocard has been cancelled, the merchant will need to send the refund to a different card instead."}},{"@type":"Question","name":"Why is my virtual card being declined?","acceptedAnswer":{"@type":"Answer","text":"Common causes are insufficient funds, card limit reached, billing address mismatch (usually the zip code), or purchases involving a high risk merchant. Halocard's credit-based virtual Visa cards have the highest acceptance rates."}}]}