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Comparison

DogPay Card vs. Halocard compared

  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on DogPay CardDogPay
  • Image source Source halocard.co Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only. HalocardHalocard

In short

  • Halocard has the higher score (61.25).
Attribute DogPay CardDogPay Requires KYC Private & business Virtual Physical HalocardHalocard Requires KYC Private & business Virtual Physical
Score average average
CostsWeight 25 % 49 70
KYC and privacyWeight 20 % 35 35
FeaturesWeight 15 % 78 93
AvailabilityWeight 10 % 94 not scored
RewardsWeight 10 % not scored not scored
TrustWeight 10 % 90 78
CommunityWeight 10 % not scored not scored
KYC KYC: ID document, full verification for higher volumes KYC: ID document
Limits (entry level)
  • Spending per day (physical card): 50,000 USD
  • Spending per year: 990,000 USD
  • Spending per year (number): 1,040×
  • Spending per day: 1,000,000 USD
  • ATM per transaction: 250 USD
  • ATM per 24 hours (number): 3×
Basics
Card form
credit Source and check Source dogpay.com Wording at the source 💡Whether it is a Budget Card or a Prepaid Card, both belong to credit cards type. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
credit Source and check Source halocard.co Wording at the source Yes. Halocard issues Visa credit cards rather than debit cards, for higher acceptance, and doesn't require linking your bank account through Plaid. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card types
virtual, physical Source and check Source dogpay.com Wording at the source Use a virtual card online and a physical card offline. Cover subscriptions, shopping, mobile wallets, POS purchases and supported ATM scenarios. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
virtual, physical Source and check Source halocard.co Wording at the source | Plans | Virtual Cards | Extra Cards (Annual Plans) | Single-use Cards (Annual Plans) | Physical Cards (Annual Plans) | Price | Initial Deposit | |---|---|---|---|---|---|---| | Essential+ | 3 total... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card network (differs)
only in the app Source and check Source dogpay.com Wording at the source It operates on [Visa/Mastercard] network rails as specified in the cardholder's account dashboard. Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
Visa Source and check Source halocard.co Wording at the source Every Halocard starts as a virtual card: a full Visa number, expiry and CVC, issued in seconds and ready to use online straight away. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Custody
custodial Source and check Source dogpay.com Wording at the source | "Debit Account" | The debit account opened by a user with the Custodian, including a hosted cryptocurrency wallet, which allows a user to keep fiat currency and types of Acceptable Tokens in custody... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
custodial Source and check Source halocard.co Wording at the source You fund the account, not the card. Every Halocard draws on one balance, so there is no moving money between cards to cover a charge. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Funding model
fiat balance Source and check Source dogpay.com Wording at the source Convert stablecoins to USD and spend globally Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
fiat balance Source and check Source halocard.co Wording at the source Fund your balance with stablecoins (USDC, USDT) or with BTC, ETH and SOL, converted to your USD balance on arrival. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card currencies (differs)
SGD, USD Source and check Source dogpay.com Wording at the source - SGD Cardmembers: 100 SGD - USD Cardmembers: 100 USD Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
USD Source and check Source halocard.co Wording at the source Halocards are held in US Dollars. Pay in another currency and Visa converts at its rate on the day, with Halocard's conversion fee on top. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Usage
personal, business Source and check Source dogpay.com Wording at the source • Cardholder: An individual (18+ years old) or registered legal entity that has successfully completed application, identity verification, and activation of a DogPay Card. For entities, the authorized... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
personal, business Source and check Source halocard.co Wording at the source Our Services include web-based and mobile applications for card and account management, tools for creating consumer and commercial virtual and physical cards, and virtual account services provided thr... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Issuer / BIN sponsor (differs)
DCS Card Centre Pte. Ltd. Source and check Source dogpay.com Wording at the source "We", "us", "our", "ourselves", and "DCS" means DCS Card Centre Pte. Ltd. and shall include our affiliates, successors and assigns. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Third National Source and check Source halocard.co Wording at the source Halocard is a financial technology company, not a bank. Card issuance is provided by Third National, a Non-Bank Principal Member of the Visa Network. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Limits depend on (differs)
KYC level Source and check Source dogpay.com Wording at the source • Limits may be adjusted based on account verification level (Basic/Verified/Premium) and transaction history. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
user setting Source and check Source halocard.co Wording at the source Give a card a daily, weekly or monthly limit and it declines anything above it. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Cards per account
unknown
unknown
Availability
Available in (differs)
Not available in 29 countries and regions Two sources, two values ShownNot available in 29 countries and regions dogpay.comchecked 28 Oct 2026 DogPay Card is not available in the following jurisdictions: Afghanistan, Albania, Belarus, Bosnia, Central African Republic, Congo, Cuba, Cyprus, Eritrea, Haiti, lran, lraq, Kosovo, Lebanon, Liberia,... Differingvalue not recorded dogpay.comfetched 28 Oct 2026 The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean?
unknown
Crypto
Supported assets (differs)
USDT Source and check Source dogpay.com Wording at the source Use a supported USDT network, then convert and fund your card in the App. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
BTC, ETH, USDT, USDC, SOL Source and check Source halocard.co Wording at the source | Stablecoins: USDT, USDC | Free | Instant | Transfer to a unique address on Arbitrum, Avalanche, Base, Optimism, Polygon, BSC or the Solana network | | Major Tokens: SOL, ETH, BTC | 1% | 1 - 60 mins... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Number of supported assets
unknown
unknown
Top-up networks (differs)
unknown
BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche Source and check Source halocard.co Wording at the source | Stablecoins: USDT, USDC | Free | Instant | Transfer to a unique address on Arbitrum, Avalanche, Base, Optimism, Polygon, BSC or the Solana network | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fiat top-up (differs)
unknown
Yes Source and check Source halocard.co Wording at the source | BANK TRANSFER | | | | |---|---|---|---| | ACH Transfer: USD | Free | 0 - 3 days | Pay via standard or same-day ACH directly to your Halocard-provided bank account. | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Payments
Mobile wallets
Apple Pay Google Pay Source and check Source dogpay.com Wording at the source Where eligible, connect your card to Apple Pay or Google Pay. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Apple Pay Google Pay Source and check Source halocard.co Wording at the source Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
ATM withdrawals
Yes Source and check Source dogpay.com Wording at the source Use a physical card at supported POS terminals and ATMs. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Yes Source and check Source halocard.co Wording at the source Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Contactless (differs)
unknown
Yes Source and check Source halocard.co Wording at the source Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fees
Virtual card issuance (differs)
10.00 USD Source and check Source dogpay.com Wording at the source | Bank Cards | Basic | Premium | Platinum | Ultra | |---|---|---|---|---| | Maximum Active Cards | 2 | 5 | 10 | 20 | | Virtual Card Issuance Fee | 10 USD | 1st card free | 2 cards free | 3 cards free... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Physical card issuance (differs)
not published Source and check Source dogpay.com Wording at the source 2.1 You may request for the Card to be issued to you virtually or physically, or both. For applicants who request a physical card to be issued following the application, we are entitled to charge a fe... Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
unknown
Free cards
unknown
unknown
Shipping (differs)
7.00 USD – 26.00 USD Source and check Source dogpay.com Wording at the source | Destination | Unit Price (USD) | |---|---| | Malaysia | $7 | | Singapore | $10 | | Thailand | $15 | | Philippines | $16 | | Taiwan | $18 | | Vietnam | $19 | | South Korea | $20 | | Japan | $21 | | A... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
unknown
Monthly fee (differs)
0.00 USD Source and check Source dogpay.com Wording at the source | Flexible Membership Plans | Basic | Premium | Platinum | Ultra | |---|---|---|---|---| | Membership Benefits by Tier | Free Best for new users with lower transaction volume | USD 4.9 / month Best fo... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Annual fee
unknown
unknown
Top-up fee (differs)
1 % Source and check Source dogpay.com Wording at the source | Bank Cards | Basic | Premium | Platinum | Ultra | |---|---|---|---|---| | Maximum Active Cards | 2 | 5 | 10 | 20 | | Virtual Card Issuance Fee | 10 USD | 1st card free | 2 cards free | 3 cards free... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Crypto deposit fee
unknown
unknown
Crypto conversion fee (differs)
1 % Source and check Source dogpay.com Wording at the source | Crypto-Fiat | Basic | Premium | Platinum | Ultra | |---|---|---|---|---| | Swap Fee | 1% | 0.8% | 0.6% | 0.5% | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Foreign currency fee (differs)
unknown
1.5 % Source and check Source halocard.co Wording at the source Purchases in any currency other than USD carry a 1.5% fee. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
FX free allowance
unknown
unknown
Minimum FX fee
unknown
unknown
ATM fee (differs)
not published Source and check Source dogpay.com Wording at the source 4.1 Subject to the terms and conditions and the applicable fee, you may obtain a cash advance up to the limit determined by us from time to time, at any automated teller machine outside Singapore. You... Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
1.5 % + 1.00 USD Source and check Source halocard.co Wording at the source | ATM Withdrawal | 1.5% + $1.00 | Applicable when withdrawing cash from an ATM, where ATM access is enabled. The ATM operator may also charge a separate fee. There is a limit of 3 ATM withdrawals ever... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Declined payment fee (differs)
0.50 USD Source and check Source dogpay.com Wording at the source ### DCS Card Fees: Activation fee: 10 USD Transaction processing fee: - Domestic: 1% + 0.3 USD - Cross-border: 1.5% + 0.3 USD Transaction reversal fee: 1% Transaction failure fee: 0.5 USD Refun... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Refund fee (differs)
2 % Source and check Source dogpay.com Wording at the source ### DCS Card Fees: Activation fee: 10 USD Transaction processing fee: - Domestic: 1% + 0.3 USD - Cross-border: 1.5% + 0.3 USD Transaction reversal fee: 1% Transaction failure fee: 0.5 USD Refun... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Inactivity fee (differs)
not published Source and check Source dogpay.com Wording at the source 1.5.4 DCS reserves the right to charge you an inactivity fee should you fail to log into the DogPay App for any period of time which is longer than 90 calendar days. Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
unknown
Minimum monthly spend
unknown
unknown
Inactivity rule (differs)
DCS may charge an inactivity fee after more than 90 calendar days without logging into the DogPay App. Source and check Source dogpay.com Wording at the source 1.5.4 DCS reserves the right to charge you an inactivity fee should you fail to log into the DogPay App for any period of time which is longer than 90 calendar days. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Card replacement
unknown
unknown
Rewards
Cashback
unknown
unknown
Referral bonus (invited friend)
unknown
unknown
Referral bonus (you)
unknown
unknown
Welcome bonus
unknown
unknown

Highlighted rows differ.

Values of the chosen variant; without a choice the entry variant (first in the provider's order).

Early warning

Watch both cards

One mail when something changes at DogPay Card · Halocard: promotions and bonuses as well as warnings and incidents.

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You will first get a mail with a confirmation link.