Semantic Coherence: Privacy.com – Signal Evidence & AI Readability

[H1] Privacy and security built into your payments
[H1] Keep your financial identity private with every payment
Sign up For Privacy
[H5] Finally! Online Shopping Without Fear!
I find the online services from Privacy.com to be very useful and convenient. I like the peace of mind that comes from knowing that I’m not sharing my card details with the whole world whenever I shop online.
[H5] I heard about this website on the Dave Ramsey Show
I heard about this website on the Dave Ramsey show and Im so happy with it.  I dont worry about my cc numbers being everywhere & I can set limits on the spending.  I would highly recommend getting it!Featured in
[H2] Your privacy secured.
We don't sell your data to advertisers or third parties. Like all card companies, we make money from merchant transaction fees. Your information stays private.
[H2] Privacy by default.
When you use a Privacy Virtual Card to shop online, the card acts as a secure layer and shields your actual credit or debit card information so you're never vulnerable to data breaches or fraud.
[H2] Secure by design.
Privacy Virtual Cards lock to a single merchant and can't be used elsewhere if stolen. Privacy is PCI-DSS compliant and SOC 2 Type II certified, and your data is secured by 256-bit encryption.
[H2] Take Control with Spend Limits
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.Learn How Spend Limits Work
[H2] 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.Learn More
[H3] Download Privacy for
[H3] your Browser
[H2] Join the 500k+ users using Privacy for secure online payments.
[H2] Carefully crafted Privacy Plans to match your needs.
Compare Plans
[H2] Plus
$5/mo.Category Cards help you limit spend across different categories. Card notes keep your finances organized, not just locked down.Designed for organizers who want structure.
[H2] Pro
$10/mo.Earn cashback on qualifying purchases and get Privacy's protection in the real world with Everywhere Cards.Made for everyday privacy conscious spenders.
[H2] Premium
$25/mo.You get everything from Pro, and your monthly card creation limit jumps to 60 — giving you the flexibility to issue cards at scale without hitting a ceiling.Built for power users who need volume.
[H2] 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.

[H1] A Plan for Everyone
Carefully crafted feature bundles to match your needs.Privacy PlanspersonalCreate up to 12 new cards per monthMerchant-Locked & Single-Use CardsSet spend limits on a transaction, monthly, annual or total spend basis.Pause and close cards3% fee on foreign transactions (min. $0.50)Get StartedPlusRecommendedEverything in Personal, and...Create up to 24 new cards per monthCategory-Locked CardsCard SharingCard NotesAPI AccessGet PlusproEverything in Plus, and...Create up to 36 new cards per monthEverywhere Cards¹1% cashback on your purchases²No foreign transaction fees¹ Max limit of 3 open Everywhere Cards.² On eligible transactions totaling up to $4,500 per month. Privacy Everywhere Cards are exempt from earning cashback. Get the details.Get ProPremiumBest for Small BusinessesEverything in Pro, and...Create up to 60 new cards per monthGet PremiumpersonalCreate up to 12 new cards per monthMerchant-Locked & Single-Use CardsSet spend limits on a transaction, monthly, annual or total spend basis.Pause and close cards3% fee on foreign transactions (min. $0.50)Get StartedPlusRecommendedEverything in Personal, and...Create up to 24 new cards per monthCategory-Locked CardsCard SharingCard NotesAPI AccessGet PlusproEverything in Plus, and...Create up to 36 new cards per monthEverywhere Cards¹1% cashback on your purchases²No foreign transaction fees¹ Max limit of 3 open Everywhere Cards.² On eligible transactions totaling up to $4,500 per month. Privacy Everywhere Cards are exempt from earning cashback. Get the details.Get PropremiumBest for Small BusinessesEverything in Pro, and...Create up to 60 new cards per monthGet PremiumNeed more cards and have a registered business? Reach out to us at support@privacy.comPlan ComparisonpersonalpluspropremiumCards Per MonthThe number of new virtual cards that can be created each month.12243660Single-Use CardsCards that automatically close after the first transaction.Merchant-Locked CardsCards that lock to the merchant of the first transaction and cannot be used elsewhere if stolen.Spend LimitsSet transaction, monthly, annual or total spend restrictions for cards.Pausing & ClosingTemporarily pause or permanently close a card to avoid unauthorized transactions.Category-Locked CardsCards that lock to a specific budget or spend category, like groceries, dining, and subscriptions.Card SharingShare virtual cards with family and close friends.API AccessProgrammatically create and configure virtual cards.Foreign Transaction FeeTransaction fee applied to international purchases.3% fee ($0.50 min)3% fee ($0.50 min)No feeNo feePrivacy Everywhere CardsCards that can be used with multiple merchants at stores that accept contactless pay.CashbackEarn cashback on qualifying purchases.1% up to $4,500*Privacy Everywhere Cards are exempt from earning cashback.1% up to $4,500*Privacy Everywhere Cards are exempt from earning cashback.

[H1] Privacy Virtual Cards
Virtual cards are automatically generated 16-digit card numbers that can be generated instantly. By using a Privacy Card for online transactions, you can keep your financial information safe from prying eyes.Try Privacy Now
[H2] Overview
Virtual cards allow you to minimize the amount of personally identifiable information (PII) you share with places you buy at. Historically, virtual cards provided by banks have been difficult and clunky to transact with; however, new providers have made virtual cards simple and easy to use. We believe virtual credit cards and virtual debit cards are now valuable tools in protecting your privacy and security without compromising convenience.
[H2] What is a virtual card?
A virtual card, sometimes called a temporary card number or anonymous card number, is a credit or debit card number that can be created through a website or mobile app, and does not come with a physical card. Virtual cards can be utilized for most online purchases to mask your personal and financial information. Oftentimes, you can set a maximum spend or charge limit on the virtual card to prevent yourself from being overcharged. Some virtual cards will also lock to a merchant to prevent the card from being used elsewhere if the merchant is breached.
[H2] How do virtual cards work?
A virtual card is a unique, 16-digit payment card number with a CVV and expiration date that is created instantly through a website or mobile app. Virtual cards function just like a credit or debit card but without the physical card, and can be used for online shopping, over the phone purchases, or any transaction that requires entering a card number.
Many users may think of virtual cards as burner cards that can be used for quick, one-time purchases. However, Privacy's virtual cards offer more enhanced security features and unlock more use cases than a simple burner card.With Privacy Cards, you can set maximum spend limits on virtual cards to prevent being overcharged. Privacy Cards will also lock to a merchant to prevent the card from being used elsewhere if the merchant is breached. Lastly, Privacy's virtual cards can be paused or closed at any time, with just a few clicks.
[H2] How can you get virtual cards online?
You may wonder how to get virtual cards from a company like Privacy.com. The entire process is handled online. This means you don't have to fill out lengthy paper documents or go to a physical location in person. In addition, no credit check is required to open or use a Privacy account. Signing up for a virtual card service requires some personal information so that the virtual card issuer can complete a mandatory verification procedure called Know Your Customer (KYC) in accordance with anti-money laundering laws. You can learn more about how to get started using Privacy Cards on our website and blog.
[H2] What kind of safety measures does a virtual card provider take?
Safety and security are very important to virtual card providers (after all, greater security is one of the main reasons users sign up for the service in the first place). For Privacy specifically, we undergo rigorous internal and third-party audits and hold ourselves to the same rigorous PCI-DSS (Payment Card Industry Data Security Standard) requirements as your bank or credit union.
[H2] How much do virtual cards cost and how do virtual card companies make money?
Some virtual card providers charge fees for every card you create or a monthly fee to use their service. Other virtual card providers may also charge fees for each purchase made with the cards. In contrast, Privacy's Personal plan is completely free to use on all domestic* purchases. We make money off of interchange - the fee that the merchant pays for accepting a debit or credit card - and we will never sell your personal data.
[H2] Who can use Privacy.com and how can I get started generating virtual cards with Privacy.com?
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. Unfortunately, we don't support international bank accounts or non-US users at this time. To get started, you can sign up for an account through our website or mobile app in as little as 3 minutes by providing some basic personal information (name, date of birth, valid phone number, valid email address, etc.) and securely linking a checking account for funding transactions.

[H2] Backed by Top-Tier Investors, Including:
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