Side by side
Pin Payments vs Privacy.com
Both stand on payment processing software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan APIiPhoneWeb
Choose Pin Payments if your business is in Australia or New Zealand and needs online payment processing, recurring billing, or platform payments. Review the transaction rate for your card and settlement type; foreign-currency AUD settlement also carries a 1.7% conversion fee.
Visit Pin Payments Free plan AndroidAPIExtension+2
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.
Visit Privacy.comThe facts
| Pin Payments | Privacy.com | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | Not published |
| Runs on | API, iPhone, Web | Android, API, Extension, iPhone, Web |
| Lowest paid plan | See the plans | Plus: $5 a month |
| Plans published | 5 | 7 |
| Maker | Not published | Not published |
| Website | pinpayments.com | privacy.com |
| On payment processing software | #19 of 71 | #15 of 71 |
Pin Payments: what it does well
- Supports one-time, recurring, and split payments.
- Accepts major cards, Apple Pay, and Google Pay.
- Offers payment links and in-person payments.
- Integrates with Shopify, WooCommerce, Adobe Commerce, Xero, and Chargebee.
- Provides live and test API environments.
What to know first
- Available only to businesses in Australia and New Zealand.
- Transaction charges apply, with rates varying by card and settlement option.
- Foreign-currency AUD settlement has a 1.7% conversion fee.
Privacy.com: 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.
Alternatives to Pin Payments Alternatives to Privacy.com The whole list