# Privacy.com: Virtual Cards — Protect Your Payments

> Virtual card generator for secure online payments and subscription management. (iPhone/iPad app by Pay With Privacy, Inc..)

- Source: https://appshunter.io/ios/app/privacycom-virtual-cards/id1040298266 (this page in markdown: same URL + `.md`)
- Developer: [Pay With Privacy, Inc.](https://appshunter.io/developer/1040298265)
- Category: Finance, Productivity
- Price: Free
- Rating: 4.50/5 from 7,149 App Store ratings · 167 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 55 MB
- Languages: American English
- Released: 2016-03-29
- Data updated: 2026-08-21
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/privacycom-virtual-cards/id1040298266/reviews.md

## What is Privacy.com?

Stop exposing your credit or debit card information and protect your online payments with Privacy. Join over 250,000 users who have saved millions of dollars by using Privacy to block unwanted charges from compromised cards, overcharging, hidden fees, and forgotten subscriptions.

Getting started with Privacy is simple: create your account, verify your information, securely link your bank account or debit card, and request your first virtual card. Start shopping and enjoy the added layer of protection Privacy provides to protect you from payment card theft and fraud.

Benefits:
- Shield your true financial information: Our Privacy Cards mask your debit card or bank account number to help protect you from card theft and fraud. Pay with greater privacy and security anytime, anywhere on desktop or on mobile.

- Create merchant-locked and one-time-use cards: Our cards automatically "lock" to the first merchant they are used at, so if the merchant is ever breached, the card number can never be used anywhere else. You can also create one-time-use cards that automatically close after a single transaction.

- Take complete control over your spending: Set customizable spending limits to prevent overcharging and block hidden fees—perfect for managing subscriptions and recurring expenses. If a transaction goes over the limit, we will automatically decline it.

- Leverage real-time transaction monitoring: Receive notifications any time a Privacy Card is used. Easily pause, unpause, and close Privacy Cards any time with just one push of a button.

Privacy’s core product is free to use on domestic transactions, because, like other card companies, we collect transaction fees from merchants. Privacy Cards can be used at most merchants that accept credit and debit cards.

The security of our users’ personal information and data is critical to everything that we do at Privacy. You can review our security policies at https://privacy.com/security.

Read about us in Forbes, Wirecutter, and The Wall Street Journal!

For support, questions, or more information, please contact us at support@privacy.com.

## Key features

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

## What do users think of Privacy.com?

Overall sentiment: neutral

**Pros**

- 🚀 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!

**Cons**

- 🐛 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

**Commonly reported bugs**

- Half of the time I cannot open the app after it was closed as FaceID is broken and disables keyboard entry
- Automatically pausing cards set up for annual payments
- Transactions being authorized multiple times on one-time use cards
- App crashing issues
- Compatibility issues with newer debit cards

**Most requested features**

- Ability to search transactions by dollar amount
- Option to hide closed cards
- Ability to preload cards for budgeting
- Option to set cards back to no limit
- Landscape mode support
- Browser extension

## Recent user reviews (10 of 167)

All indexed reviews: https://appshunter.io/ios/app/privacycom-virtual-cards/id1040298266/reviews.md

### 1/5 — It don’t work

*2026-08-07, version 3.3.29*

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

### 1/5 — DO NOT GIVE YOUR INFO

*2026-08-06, version 3.3.29*

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

### 3/5 — Great until recently

*2026-08-05, version 3.3.29*

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.

### 1/5 — No Customer Service

*2026-08-01, version 3.3.29*

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

### 1/5 — Filth

*2026-07-22, version 3.3.29*

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

### 1/5 — More like Less privacy.com

*2026-07-11, version 3.3.28*

This app takes so much data and then doesn’t even have the onboarding section seamless.

It takes 5 hours to go through a new account setup, did I mention the process of Privacy… is to collect ALL of your info - personal (all of it it needs for the SUPER SUPREME KYC it needs to be a app) 

So this app is outdated tech. Most banks have this beat with built-in virtual cards. 

This app also has the clunkiest very non intuitive design AI could make a better app than this/ it doesn’t even let you go back during the setup part.. 

Good luck friends. This isn’t privacy this is - essentially the opposite of it.

### 1/5 — Trash

*2026-07-08, version 3.3.28*

Poor customer service, not recommended

### 1/5 — Thieves

*2026-06-21, version 3.3.28*

Declined a merchant locked purchase, then immediately accepted the purchase AT A HIGHER PRICE. “Support” claimed it wasn’t the same merchant, it was and it went thorough at a higher price on the merchants second attempt seconds later, and they told me to click something that didn’t exist to fix it. They told me they would give me a $5 credit for the trouble their incompetence caused. They did NOT. I replied, they were silent. I eventually refunded my purchase to buy it AGAIN on a real HONEST card. The real price was refunded, but the extra HIGHER price was not. It’s been a week and NOTHING has changed and THEY are keeping that extra HIGHER charge that apparently THEY snuck in to steal from me since the merchant NEVER charged that and refunded everything they took. Avoid these thieving, lying criminals at all costs. They will be reported at several more places for their crimes.

### 1/5 — "Account in Review" for a week

*2026-06-15, version 3.3.28*

My account has been stuck in "account in review" mode for a week now. I work for a bank so I know it does not take this long to check into someone's financial history with other institutions or even OFAC. I don't know what the hold up was but I gave up and closed my account.

### 5/5 — Amazing customer support!

*2026-05-22, version 3.3.26*

I’ve had an account for several years. Amazing service and product. Quit using for a couple years, had issues getting back into my account. I emailed support and they helped friendly, efficiently. 5 stars for sure for this company.

## Frequently asked questions about Privacy.com

### 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.

## Version history (last 5 releases)

### 3.3.29 — 2026-07-21

Bug fixes and updates

### 3.3.28 — 2026-06-01

Bug fixes and improvements

### 3.3.26 — 2026-05-14

Bug fixes and improvements

### 3.3.22 — 2026-05-12

Bug fixes and improvements

### 3.3.19 — 2026-02-19

Bug fixes and improvements

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-21.*