Online shopping is fun! But what’s not fun is when the shopping website refuses to accept PayPal or simply you are too scared of using your credit card online.
The obvious next step is to pay for your online shopping via prepaid virtual debit cards. Here’s a list of choices of virtual prepaid debit cards to use for online payments.
US Unlocked
US Unlocked virtual visa credit cards are one of the most popular payment modes among international shoppers. If you need to make purchases in US websites, this is ideal. You are able to load money into your US Unlocked virtual card through your personal credit cards, Crypto/Stablecoins, EU Bank Transfer (SEPA), Apple Pay and Google Pay. It is one of the most reliable cards that let you shop almost anywhere in the USA where visa cards are accepted. Yet, you must make sure that you are connected to a VPN service before performing transactions. You can set a minimum balance reminder in your US Unlocked account so that you will never be disappointed! Read our full review.
Wise
Previously known as Transferwise, Wise continues to offer great services for financial needs. Not only do they have great transfer prices, quick remittances, is easy to use, give digital bank accounts and also a Travel Money card (in select countries) that you can get and use for travel, online or in-shop use.
The prepaid virtual card allows you to keep several currencies in one card with no hidden fees. Since Wise can hold up to 50+ currencies at once, its a fantastic option for travel because there is no need to get the currency exchanged. You can use the card in coffee shops, retail outlets, ATMs to withdraw cash and of course online as well. The card has one limitation, not every country can get the card. You can get it if you’re in UK, Europe, Australia, New Zealand, United States, Canada and a few other countries. Read our full and up to date review for more details.
Revolut
Revolut is available in UK, Europe (EEA countries only), Australia, Brazil, Japan, New Zealand, Singapore, and Switzerland. It’ll be coming to Mexico next. Opening an account is free but charges differ on transactions made on weekdays and weekends. You can get a Visa Prepaid card. You can use the card in-stores, online, to buy Crypto and gold, and of course it works with ATMs. The mobile apps are slick and easy to use for payments. You can freeze your card if its stolen or not in use. The card is chip-based and can be used for recurring subscription payments! Till your card is mailed, you can begin using the virtual card right away. For full list of countries, take a look at their help page.
Halocard
Halocard is making rounds and is an interesting replacement for StatesCard. The biggest being that it publishes its status and registration in its footer which confirms that its a Financial technology company with a MSB license ( . The cards are issued via Third National, a non-bank principal member of Visa network. This alone shows that the company respects its users and is not trying to pull wool over anyone’s eyes.
Their virtual card is classified as a credit card and starts with a monthly fee of $12/month. The 3 – tiers are according to the number of cards an account holds. So for instance if you need to subscribe to 15 services and want a different card and spending control for each of them, you’ll need to pay for the Pro plan that supports 30 virtual cards and costs $30/mo. Their service is designed for people who need an active USA card so they can spend freely (no limits on cards) and with a peace of mind that their transaction will always go through. The 0% fee on USD purchases is why international shoppers and users need this card over others.
You can fund your account via stablecoins (free), cryptocurrency (1%), credit/debit card (5%), or bank transfer (1%). Minimum deposit amount is $100.
Did we mention that their cards support Apple Pay and Google Pay? This means, it becomes a pseudo- physical card that you can travel with and tap to pay at over at 175M+ merchants worldwide by simply adding your virtual VISA cards to your mobile wallet.
You can see their restricted countries where they cannot issue cards and a list of countries where they cannot issue virtual bank accounts that are coming soon to everyone.
A real world test and review is coming soon.
How this article has changed
17 July 2026
- We removed StatesCard from our recommendations after reviewing third-party ratings over the past 18 months.
- We removed Ecopays (now payz) from the list as it is EEA only and inaccessible to most of our audience that resides outside the EEA. Payz sadly is scoring slightly above StatesCard on 3rd party review websites.
- Updated, Us Unlocked, Revolut and Wise with supporting information and review links.
- We added Halocard to the list as it seems to be checking all the boxes for both online shopping as well as travel.
Which other prepaid debit cards do you know about that you can use on online shopping sites and in travel?
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