Trusted by 250k+ users

Sign up and get $5 towards your first purchase.

Privacy and security built into your payments.
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We protect the payments of more than 250k users in the US, and have processed more than $2B using bank-level security & encryption.

More Control, 
Greater Peace of Mind

A Privacy Virtual Card offers an added layer of control and protection for your transactions.

Unlock Possibilities with Flexible Virtual Cards Options

With Privacy virtual cards, you get flexible options that give you complete control and keep your financial information secure—wherever you shop.

Take Control with Spend Limits on all Your Virtual Cards.

You can set a spend limit on any Privacy Card so you won't be charged for more than you authorize. Perfect for managing recurring bill payments or subscription fees.

Feel Secure with Cards You Can Pause or Close at Any Time

To proactively protect against data breaches, you can pause or close a Privacy Card anytime, anywhere without impacting your other cards.

When to use a Virtual Card

Subscription Management

Subscription Services

Avoid unexpected price hikes or duplicate charges by capping the amount a service can bill you.

Trial Periods

Keep free trials in check by setting a limit, so you’re not charged if you forget to cancel.

Budget & Spend Tracking

Recurring Expenses

Manage your monthly or yearly bills, like utilities or streaming services, by ensuring they stay within budget.

Card Sharing with Friends & Family

Set limits on cards you share with family members, employees, or anyone else to manage expenses responsibly.

Frequently Asked Questions

Our basic plan has no fees on domestic transactions* because, like other card companies, we collect transaction fees from merchants.

What is a virtual card and what is a Privacy Card?

A virtual card is a unique 16-digit card number with a CVV code and expiration date that can be generated instantly and used to make purchases online or over the phone. Think of it as a normal credit or debit card, but without the physical plastic card.

A Privacy Card is a virtual card that masks your actual payment information. By using a Privacy Card to check out, you can keep your true financial information private from merchants, malicious third parties, and fraudulent actors. Privacy Cards have additional security features that shield you from fraud and unwarranted transactions.

Why should I use Privacy virtual cards over my debit card or credit card?

The FTC reported that more than 2.3 million consumers in the U.S. experienced fraud in 2022, equating to nearly $9 billion in losses. Privacy helps you defend against card theft and fraudulent charges.

Privacy Cards automatically “lock” to the first merchant they’re used at and can never be used anywhere else if they’re stolen or compromised in a data breach. Privacy Cards can also be set for one-time use so they automatically close after a single transaction. These built-in protections have helped our users transact with confidence and save money that would have otherwise been lost in a security breach.

Privacy gives you greater control over your spending. You can set customizable spending limits on cards to track and maintain budgets at specific merchants and block hidden fees. If a transaction attempt goes over the limit, we automatically decline it. You can also easily pause, unpause, and close Privacy Cards at any time to manage subscriptions and avoid being overcharged.

Privacy makes it easy to share secure payment information with trusted friends, family members, or employees. With one click, you can share a Privacy Card instead of having to share and expose your real debit or credit card details. Any cards you share will lock to the first merchant they're used with, and you can still adjust spending limits and close the card at your discretion. The card sharing feature is handy for parents setting an allowance card for their kids or small business owners looking to distribute cards to employees.

Why does Privacy need my personal information when I’m signing up?

Some personal information is required for a mandatory bank verification procedure called Know Your Customer (KYC) that must be conducted before our customers can start using our Privacy virtual cards. This verification process is required to comply with anti-money laundering laws and helps protect against fraud.

How does Privacy make money?

Privacy, like other card companies, collects transaction fees called interchange from merchants. We don't, and will never, sell our customers' data.

Does using Privacy affect my credit score?

No. Privacy never conducts a credit pull. Using our Privacy Cards will not have any impact on your credit score, and Privacy Cards will not show up on your credit report. You can read more about this here.

Is Privacy safe to use?

The security of our customers’ personal information and data is critical to everything we do. Privacy is PCI-DSS compliant and is held to the same security standards as a bank. For more information, review our security policies.

Who can use Privacy and do you need a bank account?

Privacy is currently available to US citizens or legal residents with a checking account at a US bank or credit union, and who are 18+ years of age.

Ready to Open a Privacy Account?

Join the 250K+ customers using Privacy to secure their online payments.