Privacy.com
Virtual card numbers that lock to merchants and cap spending for US shoppers
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Pricing
Free · from $5/mo
API
Yes
Company
Privacy.com
Platforms
What is Privacy.com?
Privacy.com issues virtual card numbers that stand in for your real debit or credit card when you pay online. Each card can lock to the first merchant it is used at, close after a single transaction, or be limited to a spending category, so a leaked number can't be used anywhere else.
You can set spend limits per transaction, month, year or in total, and pause or close any card without affecting the others. Cards can be shared with family or employees. Paid plans add API access, card notes, cashback and Everywhere Cards for contactless in-store payments. The site also lists an MCP server and CLI for AI agents.
The service is open to US citizens or legal residents aged 18+ with a checking account at a US bank or credit union. Cards are issued by Patriot Bank and Byline Bank on the Visa and Mastercard networks. Privacy.com earns money from merchant interchange fees and says it does not sell user data.
Key features
- Merchant-locked virtual card numbers
- Single-use cards that close after one transaction
- Category-locked cards for budgets
- Spend limits per transaction, month, year or total
- Pause or close cards at any time
- Card sharing with family or employees
- API, MCP server and CLI for programmatic cards
- Browser extensions for Chrome, Safari, Edge and Firefox
Use cases
Who it's for
Managing subscriptions
Put each subscription on its own card with a spend limit, then pause or close it to stop charges.
Shopping at unfamiliar stores
Use a single-use or merchant-locked card so a breach at the store doesn't expose your real card.
Discreet payments
Pay merchants without handing over your actual bank card details.
Payments by AI agents
Give AI agents capped cards through the API, MCP server or CLI.
Privacy.com pricing
From the vendor's site, checked Nov 9, 2026. Prices change — confirm on their pricing page.
| Plan | Personal | Plus | Pro | Premium |
|---|---|---|---|---|
| Price | Free | $5/mo$60 billed annually | $10/mo$120 billed annually | $25/mo$300 billed annually |
| New cards per month | 12 | 24 | 36 | 60 |
| Foreign transaction fee | 3% (min $0.50) | — | None | None |
| Cashback | — | — | 1% on up to $4,500/mo | 1% on up to $4,500/mo |
| Everywhere Cards | — | — | Up to 3 | Up to 3 |
| Also |
|
| — |
|
| Cost for a team, per month | 1 person | 5 people | 20 people |
|---|---|---|---|
| Plusflat, up to 1 | $5 | — | — |
| Proflat, up to 1 | $10 | — | — |
| Premiumflat | $25 | $25 | $25 |
Billed yearly where the plan offers it. — means the plan doesn't allow that many people.
Which plan do you need?
- MySudoSudoGo$1.67/mo
- Privacy.comPlus$5/mo
The cheapest paid plan with a published price that fits. Custom and sales-quoted plans aren't included.
Get an email when Privacy.com changes its prices
One mail per change, a stop link in each. Nothing else.
Pros and cons
Strengths
- Free plan includes 12 cards a month
- No credit pull and no effect on credit score
- PCI-DSS compliant and SOC 2 Type II certified
- Pro and Premium plans have no foreign transaction fees
Limitations
- Available only to US residents with a US bank account
- Free plan charges a 3% foreign transaction fee
- API access requires the Plus plan or higher
- Pro and Premium allow at most 3 open Everywhere Cards
Privacy.com FAQ
Is Privacy.com free?
Yes. The Personal plan is $0 and includes 12 new cards per month. Paid plans cost $5, $10 and $25 per month.
Who can sign up?
US citizens or legal residents aged 18+ who have a checking account at a US bank or credit union.
Does it affect my credit score?
No. Privacy.com does not run a credit pull, and its cards don't appear on your credit report.
How does Privacy.com make money?
Through interchange fees paid by merchants. It says it does not sell customer data.
Is there an API?
Yes. API access comes with the Plus plan and up, and there is also an MCP server and CLI.
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Privacy.com
Free · from $5/mo
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