Freedom251 › Payment Processing Software
Privacy.com
What Privacy.com is
Privacy.com creates virtual payment cards that mask a user's actual payment information for online transactions. A card can lock to its first merchant, close automatically after one transaction, or carry transaction, monthly, yearly, or total spending limits; transactions over a limit are declined. Users can pause or close cards at any time. The free Personal plan allows 12 new cards per month and has a 3% foreign transaction fee, with a $0.50 minimum. Paid plans start with Plus at $5.00 per month, which allows 24 new cards monthly and includes API access. Pro is $10.00 per month and allows 36 new cards monthly, up to three open Everywhere Cards, and 1% cashback on eligible transactions up to $4,500 per month. Premium is $25.00 per month and allows 60 new cards monthly. Browser extensions are available for Chrome, Safari, Edge, and Firefox, alongside iOS, Android, and web access. The service is for US citizens or legal residents aged 18 or older with a checking account at a US bank or credit union. Identity verification is required before transacting, and some personal information is required for that process.
Who it suits
It suits eligible US adults who want to use virtual cards with merchant restrictions or spending limits for online transactions. Users must pass identity verification and have a qualifying US checking account.
What it does well
- Cards can lock to one merchant or one transaction.
- Spending limits can be set across four periods.
- Cards can be paused or closed anytime.
- Available on web, mobile, and browser extensions.
- Plus and higher plans include API access.
What to know first
- Eligibility is limited to qualifying US adults.
- Identity verification is required before transactions.
- Personal plan has a 3% foreign transaction fee, minimum $0.50.
- Free plan allows 12 new cards monthly.
Limits
Personal allows 12 new cards per month and charges a 3% foreign transaction fee, with a $0.50 minimum. Plus costs $5 a month and allows 24 new cards per month; Pro costs $10 a month and allows 36 new cards per month.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Personal | 12 new cards/month · Merchant-locked and single-use cards · Spend limits · Pause and close cards · 3% foreign transaction fee (min. $0.50) | Free |
| Pro | 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 | $10 a month |
| Pro | $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 | $120 a year |
| Premium | Billed monthly · 60 new cards/month · Everything in Pro | $25 a month |
| Premium | $300 billed annually · 60 new cards/month · Everything in Pro | $300 a year |
| Plus | Billed monthly · 24 new cards/month · Category-locked cards · Card sharing · Card notes · API access | $5 a month |
| Plus | $60 billed annually · 24 new cards/month · Category-locked cards · Card sharing · Card notes · API access | $60 a year |
As privacy.com lists them, read 8 Oct 2026. The maker's own page has the final word.
Getting started
- Visit the Privacy.com website.
- Choose the free Personal plan or a paid plan.
- Use the web experience, install a browser extension, or get the iOS or Android app.
- Complete identity verification before transacting.
- For API access, choose Plus or a higher plan.
Verdict
Privacy.com provides virtual cards with merchant and spending controls across free and paid plans. Its US eligibility rules and identity-verification requirement narrow who can use it.
Questions
How much does Privacy.com cost?
Personal is free. Plus costs $5 a month, Pro costs $10 a month, and Premium costs $25 a month.
What does the free plan include?
Personal allows 12 new cards per month, merchant-locked and single-use cards, spending limits, and the ability to pause and close cards. It charges a 3% foreign transaction fee, with a $0.50 minimum.
Who can use Privacy.com?
It is available to US citizens or legal residents aged 18 or older who have a checking account at a US bank or credit union. Customers must pass identity verification before transacting.
Which platforms are available?
Privacy.com offers web access, iOS and Android apps, and browser extensions for Chrome, Safari, Edge, and Firefox.
Which plans include API access?
API access is included with Plus and higher plans. The API supports virtual card creation and configuration, real-time payment data, card permissions, and spending limits.
How does Privacy.com protect card and account data?
Privacy says sensitive data is encrypted, web traffic uses TLS with HSTS, and inter-data-center communication uses IPsec with AES-256. It also states that it is PCI-DSS and ISO 27001 compliant and SOC 1 and SOC 2 Type 2 certified.
Facts from Privacy.com's own pages
- API
- The developer API supports creating and configuring virtual cards, retrieving real-time payment data, setting card permissions, and setting spending limits. · developers.privacy.com, 8 Oct 2026
- Card issuer
- Privacy cards are issued by Patriot Bank, N.A., Member FDIC, under Mastercard and Visa licenses. · privacy.com, 8 Oct 2026
- Card management
- Users can pause or close Privacy Cards at any time. · privacy.com, 8 Oct 2026
- Company history
- Privacy says it began working on the product in 2014 and identifies Lithic as its broader company. · privacy.com, 8 Oct 2026
- Data protection
- Privacy says sensitive data is encrypted, web traffic uses TLS with HSTS, and inter-data-center communication uses IPsec with AES-256. · privacy.com, 8 Oct 2026
- 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. · privacy.com, 8 Oct 2026
- Founded
- 2014 · privacy.com, 28 Sept 2026
- 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. · privacy.com, 8 Oct 2026
- Merchant lock
- Privacy Cards lock to the first merchant they are used with and cannot be used elsewhere if stolen or compromised. · privacy.com, 8 Oct 2026
- Privacy policy
- Privacy says it does not sell customer data and earns transaction fees from merchants. · privacy.com, 8 Oct 2026
- Product
- Privacy creates virtual payment cards that mask a user's actual payment information for online transactions. · privacy.com, 8 Oct 2026
- Security
- Privacy states it is PCI-DSS compliant, ISO 27001 compliant, and SOC 1 and SOC 2 Type 2 certified. · privacy.com, 8 Oct 2026
- Single-use cards
- Privacy Cards can be set for one-time use and automatically close after a single transaction. · privacy.com, 8 Oct 2026
- Spending controls
- Cards can have transaction, monthly, yearly, or total spend limits, and transactions over the limit are declined. · privacy.com, 8 Oct 2026
- Support
- Privacy provides a support center with articles on account setup, cards, funding sources, limits, disputes, fraud protections, and business use. · support.privacy.com, 8 Oct 2026
- Verification
- Customers must pass identity verification before they can transact, and the company says some personal information is required for that process. · developers.privacy.com, 8 Oct 2026
Where Privacy.com stands on Freedom251
- Payment Processing Software#15 of 71