Skip to content
SPECIFICTION
Get listed

Privacy.com

privacy.com

From $5/mo Free plan WebiOSAndroidAPIBrowser extension
Visit privacy.com
Spec score 8.3 #18 of 71 in Payment Processing Software

What it is

Privacy.com creates virtual payment cards that mask the payment information a user would otherwise share for online transactions. Cards lock to their first merchant, so they cannot be used elsewhere if stolen or compromised. A card can also be set to close after one transaction, or given transaction, monthly, yearly, or total spending limits; charges above a limit are declined. Users can pause or close cards at any time. The free Personal plan allows 12 new cards each month. Paid plans start at $5 a month: Plus adds API access, while Pro includes up to three open Everywhere Cards and 1% cashback on eligible transactions up to $4,500 per month. The service has web, iOS, Android, and browser extension access; paid Plus and higher plans include an API for creating and configuring cards, retrieving real-time payment data, and setting permissions and limits. 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.

Spec sheet

Product
Privacy creates virtual payment cards that mask a user's actual payment information for online transactions.Read 8 Oct 2026 · privacy.com
API
The developer API supports creating and configuring virtual cards, retrieving real-time payment data, setting card permissions, and setting spending limits.Read 8 Oct 2026 · developers.privacy.com
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.Read 8 Oct 2026 · privacy.com
Security
Privacy states it is PCI-DSS compliant, ISO 27001 compliant, and SOC 1 and SOC 2 Type 2 certified.Read 8 Oct 2026 · privacy.com
Support
Privacy provides a support center with articles on account setup, cards, funding sources, limits, disputes, fraud protections, and business use.Read 8 Oct 2026 · support.privacy.com
Founded
2014Read 28 Sep 2026 · privacy.com
Card issuer
Privacy cards are issued by Patriot Bank, N.A., Member FDIC, under Mastercard and Visa licenses.Read 8 Oct 2026 · privacy.com
Card management
Users can pause or close Privacy Cards at any time.Read 8 Oct 2026 · privacy.com
Company history
Privacy says it began working on the product in 2014 and identifies Lithic as its broader company.Read 8 Oct 2026 · privacy.com
Data protection
Privacy says sensitive data is encrypted, web traffic uses TLS with HSTS, and inter-data-center communication uses IPsec with AES-256.Read 8 Oct 2026 · privacy.com
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.Read 8 Oct 2026 · privacy.com
Merchant lock
Privacy Cards lock to the first merchant they are used with and cannot be used elsewhere if stolen or compromised.Read 8 Oct 2026 · privacy.com
Privacy policy
Privacy says it does not sell customer data and earns transaction fees from merchants.Read 8 Oct 2026 · privacy.com
Single-use cards
Privacy Cards can be set for one-time use and automatically close after a single transaction.Read 8 Oct 2026 · privacy.com
Spending controls
Cards can have transaction, monthly, yearly, or total spend limits, and transactions over the limit are declined.Read 8 Oct 2026 · privacy.com
Verification
Customers must pass identity verification before they can transact, and the company says some personal information is required for that process.Read 8 Oct 2026 · developers.privacy.com

Plans and prices

Personal Free 12 new cards/month · Merchant-locked and single-use cards · Spend limits · Pause and close cards · 3% foreign transaction fee (min. $0.50) Read 8 Oct 2026 · privacy.com
Plus $5 a month Billed monthly 24 new cards/month · Category-locked cards · Card sharing · Card notes · API access Read 8 Oct 2026 · privacy.com
Pro $10 a month Billed monthly 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 $25 a month Billed monthly 60 new cards/month · Everything in Pro Read 8 Oct 2026 · privacy.com
Plus $60 a year $60 billed annually 24 new cards/month · Category-locked cards · Card sharing · Card notes · API access Read 8 Oct 2026 · privacy.com
Pro $120 a year $120 billed annually 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 $300 a year $300 billed annually 60 new cards/month · Everything in Pro Read 8 Oct 2026 · privacy.com

Every Privacy.com plan and price →

Strong points and limits

Strong points

  • Cards lock to the first merchant used.
  • Single-use cards close after one transaction.
  • Cards support transaction, monthly, yearly, or total limits.
  • Free Personal plan allows 12 new cards monthly.
  • Plus and higher plans include API access.

Limits

  • Identity verification is required before transactions.
  • Eligibility requires a US bank or credit union checking account.
  • Personal cards have a 3% foreign transaction fee, minimum $0.50.
  • Plus costs $5 a month.

Who it suits

Privacy.com suits eligible US adults who want virtual cards with merchant restrictions, spending limits, or one-time use. Its API may also suit developers who need to create and configure cards programmatically.

Verdict

Privacy.com offers card controls ranging from merchant locks and one-time use to custom spending limits. Check the US eligibility rules and identity verification requirement before choosing a plan.

Where Specifiction places it

Alternatives to Privacy.comAll alternatives →