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Privacy.com
What it is
Privacy.com creates virtual payment cards that mask a user’s actual payment information during online transactions. Cards lock to the first merchant where they are used, can close automatically after one purchase, and can carry transaction, monthly, yearly, or total spending limits; transactions above a limit are declined. Users can pause or close cards at any time. The free Personal plan allows 12 new cards per month. Plus costs $5 a month and includes API access; Pro costs $10 a month, and Premium costs $25 a month. Browser extensions are available for Chrome, Safari, Edge, and Firefox, alongside iOS and Android apps and a web experience. The developer API supports card creation and configuration, real-time payment data, permissions, and spending limits. Privacy says it is PCI-DSS and ISO 27001 compliant and SOC 1 and SOC 2 Type 2 certified, and describes encryption and network protections. It also says it does not sell customer data and earns transaction fees from merchants. To transact, users must be US citizens or legal residents aged 18 or older with a checking account at a US bank or credit union, and must pass identity verification. Privacy says some personal information is required for that process.
For and against
For
- Free Personal plan allows 12 new cards monthly.
- Cards can lock to one merchant or close after one use.
- Spending limits can be set across several periods.
- Cards can be paused or closed at any time.
Against
- Identity verification is required to transact.
- A US bank or credit union checking account is required.
- Personal eligibility is limited to US adults.
The verdict
Privacy.com offers virtual cards with merchant and spending controls, plus a free plan and paid options. Check its US eligibility and identity verification requirements before signing up.
Who it suits
Privacy.com suits eligible US adults who want virtual cards with merchant restrictions, spending limits, or one-time use. Browser extensions, mobile apps, a web experience, and API access offer several ways to manage cards.
Plans and prices
Personal
12 new cards/month · Merchant-locked and single-use cards · Spend limits · Pause and close cards
Read 8 Oct 2026 · privacy.com
Plus
24 new cards/month · Category-locked cards · Card sharing · Card notes
Read 8 Oct 2026 · privacy.com
Plus
24 new cards/month · Category-locked cards · Card sharing · Card notes
Read 8 Oct 2026 · privacy.com
Pro
36 new cards/month · Everywhere Cards (max 3 open) · 1% cashback on eligible transactions up to $4,500/month · No foreign transaction fees
Read 8 Oct 2026 · privacy.com
Pro
36 new cards/month · Everywhere Cards (max 3 open) · 1% cashback on eligible transactions up to $4,500/month · No foreign transaction fees
Read 8 Oct 2026 · privacy.com
Premium
60 new cards/month · Everything in Pro
Read 8 Oct 2026 · privacy.com
Premium
60 new cards/month · Everything in Pro
Read 8 Oct 2026 · privacy.com
On the record
- API
- The developer API supports creating and configuring virtual cards, retrieving real-time payment data, setting card permissions, and setting spending limits.developers.privacy.com · read 8 Oct 2026
- Card issuer
- Privacy cards are issued by Patriot Bank, N.A., Member FDIC, under Mastercard and Visa licenses.privacy.com · read 8 Oct 2026
- Card management
- Users can pause or close Privacy Cards at any time.privacy.com · read 8 Oct 2026
- Company history
- Privacy says it began working on the product in 2014 and identifies Lithic as its broader company.privacy.com · read 8 Oct 2026
- Data protection
- Privacy says sensitive data is encrypted, web traffic uses TLS with HSTS, and inter-data-center communication uses IPsec with AES-256.privacy.com · read 8 Oct 2026
- Eligibility
- Privacy is available to US citizens or legal residents aged 18 or older who have a checking account at a US bank or credit union.privacy.com · read 8 Oct 2026
- Integrations
- The site links browser extensions for Chrome, Safari, Edge, and Firefox, plus iOS and Android apps; paid Plus and higher plans include API access.privacy.com · read 8 Oct 2026
- Merchant lock
- Privacy Cards lock to the first merchant they are used with and cannot be used elsewhere if stolen or compromised.privacy.com · read 8 Oct 2026
- Privacy policy
- Privacy says it does not sell customer data and earns transaction fees from merchants.privacy.com · read 8 Oct 2026
- Product
- Privacy creates virtual payment cards that mask a user's actual payment information for online transactions.privacy.com · read 8 Oct 2026
- Security
- Privacy states it is PCI-DSS compliant, ISO 27001 compliant, and SOC 1 and SOC 2 Type 2 certified.privacy.com · read 8 Oct 2026
- Single-use cards
- Privacy Cards can be set for one-time use and automatically close after a single transaction.privacy.com · read 8 Oct 2026
- Spending controls
- Cards can have transaction, monthly, yearly, or total spend limits, and transactions over the limit are declined.privacy.com · read 8 Oct 2026
- Support
- Privacy provides a support center with articles on account setup, cards, funding sources, limits, disputes, fraud protections, and business use.support.privacy.com · read 8 Oct 2026
- Verification
- Customers must pass identity verification before they can transact, and the company says some personal information is required for that process.developers.privacy.com · read 8 Oct 2026
