Privacy.com review
A focused virtual-card tool for controlling consumer and small-business spending.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Privacy.com provides virtual payment cards that mask underlying payment information for online and phone purchases. It is designed for consumers, freelancers, and small businesses that want control over where cards can be used and how much can be spent. Users can create merchant-locked, single-use, category-locked, and Everywhere Cards, with options to set limits, pause or close cards, and receive transaction alerts. The product is available on the web, iOS, Android, and through a Chrome extension, with REST API access on paid plans.
Pricing is structured around a free Personal plan and three paid tiers. Personal costs $0 per month or $0 per year and includes merchant-locked and single-use cards, spending limits, and pause and close controls. Plus costs $5 per month or $60 per year, adding category-locked cards, card sharing, card notes, and API access. Pro costs $10 per month or $120 per year and adds Everywhere Cards, 1% cashback on eligible purchases, and no foreign transaction fees. Premium costs $25 per month or $300 per year, includes everything in Pro, raises the card creation limit, and is designed for small businesses.
The product’s strongest fit is spending control rather than broad payment acceptance. It supports recurring transactions, contactless payments through Everywhere Cards, and Apple Pay, Google Pay, and Samsung Pay. Funding methods include Visa, Mastercard, Apple Pay, Google Pay, Samsung Pay, a U.S. checking account, and a U.S. debit card. Support channels include email, chat, and docs, while the listed compliance posture includes SOC 2 and PCI DSS. Privacy.com suits U.S.-based users who need configurable virtual cards; businesses seeking a conventional merchant gateway should choose a different type of product.
Privacy.com pros and cons
- Where it wins
- Merchant-, category-, and single-use virtual cards
- Spending limits, transaction alerts, and card controls
- Web, mobile, browser extension, and REST API access
- Where it doesn't
- Available to U.S. citizens or legal residents only
- Requires a U.S. checking account or U.S. debit card
- Not a conventional merchant payment gateway
Privacy.com fact sheet, pricing and score →
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