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Privacy.com: Virtual Cards

Privacy.com: Virtual Cards

Protect Your Payments

7.1K ratings
167 reviews
📊 Productivity
💰 Finance
Free

Details

  • Released
  • Updated
  • March 29, 2016
  • July 21, 2026

Features

Developer

Pay With Privacy, Inc.
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iphone
ipad
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⭐167
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🔄6+ apps
Alternatives↘︎
🎪1 available
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❓5 answered
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📦~ in 3 weeks
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About

Safeguard your online transactions by creating virtual payment cards. Protect your actual financial details from compromised cards, unexpected charges, and recurring subscription fees. Enjoy enhanced security and control over your spending with customizable limits and real-time monitoring.

✓Create virtual payment cards
✓Merchant-locked cards
✓One-time-use cards
✓Customizable spending limits
✓Real-time transaction monitoring
✓Pause/unpause/close cards
Show original description

What users say

Summarized from real user reviews of Privacy.com. Based on 7.1K reviews and a 4.5/5 average, it highlights the 10 positives and 10 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Excellent protection
  • 🔒Total control
  • 👍Incredible
  • 🔒Essential app
  • 👍Happy user for YEARS
  • 🚀Fantastic
  • 🔒Stellar service
  • 👍Works pretty well
  • 🚀It actually is that good
  • 🔒Saved me and my money!

Negative things

  • 🐛Great service, HORRIBLE new app
  • 🐛DISAPPOINTED THEY DONT BLOCK THEFT LIKE THEY CLAIM
  • 🐛New UI and other irritations
  • 🐛Card Not Supported
  • 🐛Disabled my account
  • 🐛Banned account with no explanation
  • 🐛Doesn't work - no support
  • 🐛Awful
  • 🐛Bad customer service and terrible reasons for not activating an account
  • 🐛Warning: Card Details Leaked
See all reviews

What's New in Privacy.com

3.3.29

July 21, 2026

Bug fixes and updates

Events

Read more about Cashback Control
Event EndedMajor Update

Cashback Control

Let your cashback accrue or use it right away.

Jan 29, 2026 — Feb 28, 2026

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

It don’t work

It’s don’t work I get stuck in a never ending cycle of verification, and it never ends
mrballer14mrballer14

DO NOT GIVE YOUR INFO

Spam calls and texts multiple times a day since i gave these hacks my info also cant use my debit card. Absolutely worthless do not give these bums your info
Maiya butreaksMaiya butreaks

Great until recently

Chronically denies transactions for not enough funds. Yet there are PLENTY of funds available. Worked great until about 30’days ago. You can’t get support—-it’s a chat bot and a bunch of articles. Tried deleting and redoing connection; tried reinstalling app. Over it. Going back to credit cards.
Snookie1224Snookie1224

No Customer Service

I’d give them 0 stars if I could. I don’t think they have a customer service department. They don’t respond to emails
Appz117Appz117

Filth

I couldn’t think of a more hypocritical thing to call this company. Immediately after sign up asks for PII through Persona.
rivespicerivespice
See 162 more reviews

User experience

🐞

Reported Bugs

5 issues

Half of the time I cannot open the app after it was closed as FaceID is broken and disables keyboard entry

Bug

Automatically pausing cards set up for annual payments

Bug

Transactions being authorized multiple times on one-time use cards

Bug

App crashing issues

Bug

Compatibility issues with newer debit cards

Bug
✨

Requested Features

6 requests

Ability to search transactions by dollar amount

Feature

Option to hide closed cards

Feature

Ability to preload cards for budgeting

Feature

Option to set cards back to no limit

Feature

Landscape mode support

Feature

Browser extension

Feature

FAQ

What does Privacy.com do?

This app allows you to create virtual payment cards to protect your actual credit or debit card information during online transactions. It helps prevent fraud, unwanted charges, and manage subscriptions by providing a layer of security and control over your spending.

How do virtual cards from Privacy.com work?

You can create virtual cards that are either locked to a specific merchant or designed for one-time use. Merchant-locked cards can only be used at the first merchant they're used with, preventing misuse if that merchant's data is compromised. One-time-use cards automatically close after a single transaction.

Is there a cost to use Privacy.com?

The core product is free to use for domestic transactions, as the service collects transaction fees from merchants. You can create virtual cards, set spending limits, and monitor transactions without upfront costs for basic usage.

What are the benefits of using Privacy.com?

Key benefits include shielding your true financial information from merchants, creating secure merchant-locked or one-time-use cards, and gaining complete control over your spending with customizable limits. You also receive real-time transaction notifications and can easily manage your virtual cards.

Can I use these virtual cards everywhere?

Privacy Cards can be used at most merchants that accept credit and debit cards. The app is designed to provide enhanced security and control for your online purchases, protecting you from common payment-related risks.