Privacy.com: Virtual Cards

Privacy.com: Virtual Cards

Protect Your Payments

7.2K ratings
177 reviews
Free

Details

Released
March 29, 2016
Updated
September 30, 2026

Features

Privacy.com: Virtual Cards screenshot #1 for iPhone
Privacy.com: Virtual Cards screenshot #2 for iPhone
Privacy.com: Virtual Cards screenshot #3 for iPhone
Privacy.com: Virtual Cards screenshot #4 for iPhone
Privacy.com: Virtual Cards screenshot #5 for iPhone
Privacy.com: Virtual Cards screenshot #6 for iPhone
iphone
ipad
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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
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What users say about Privacy.com

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What's New in Privacy.com

3.3.31

September 30, 2026

Bugfixes and improvements

Events

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Jan 29, 2026 — Feb 28, 2026

User reviews

Doesn’t really work

I really don’t understand why people gave them 5 star reviews, it asked for id verification, and it will not make your transaction private, it will show exactly the name of the Merchant and location in your banking statement, so if you thought it’s private bam ..

Wtf

Every subscription I have tied to this app for payment has been declined for insufficient funds, I have never even came close to insufficient funds, I have never used half and always had the money to back it, customer service for the most part gives you the run around, sometimes you make an error and it doesn’t work but it’s hard to catch your errors when the app malfunctions so much, sometimes you make often.
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Not really 5 starts

My account has literally been in review for about 2 years, literally I’m not kidding. 2 YEARS!!

Wow you ruined it.

What was once a great app, has now been ruined by Persona ID verification. I had literally 50+ cards that I used on this service and now I’m going to cancel them all. You cannot claim to be a privacy service and then require all users to upload biometric data. Their entire mission statement is totally fallen upside down. They are NOT about privacy. Avoid this service and look elsewhere. The party is over. I will just keep leaving this review every time the app updates so this info won’t get buried
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Convenient

Good use case example: I was just at a retailer this morning and their payment software was down. They had no idea when it would be back. They kindly offered for me to come back and pay later, but because I can create a single use card so easy on the go, I was able to spin one up quick and leave them the card details knowing it’s safe. After one use, it’s closed, so even if someone got curious and pulled my written information out of the trash, it wouldn’t matter. Great product!
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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.