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Review summary

Created with AI, based on recent reviews

Looking at 145 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the service for its ability to enhance online payment security and control. Many appreciate the ease of creating virtual cards with customizable limits, which helps prevent unauthorized charges and manage subscriptions effectively. The user experience is frequently highlighted as intuitive and straightforward, making online shopping and bill payments feel much safer. People also find the website and overall service invaluable for protecting their financial information and avoiding forgotten free trials. However, some customers experienced significant issues during the onboarding process, describing it as an "absolute disaster" due to extensive verification requirements and long waiting periods. A few users also reported problems with account deactivation, declined transactions, and difficulties with balance top-ups, leading to frustration and account closures.

What people talk about most

Payment

People report positive experiences with payment, highlighting the enhanced security and control it offers.... See more

Service

Customers consistently express satisfaction with the service, highlighting its value and ease of use. Many... See more

User experience

Consumers find the user experience to be positive, highlighting its ease of use and intuitive interface. Many... See more

Website

Customers had positive experiences with the website, finding it easy to use and well-designed. Many reviewers... See more

Subscription

Clients share positive opinions on subscription management, highlighting its effectiveness in controlling... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Privacy cards have been actually life changing. Being able to separate all my recurring payments into different cards, has greatly helped keep track of where my money is going. Settings limits, pausin... See more

Rated 5 out of 5 stars

Privacy.com has been a perfect service to help me prevent misuse of credit/debit card details. Even though many websites integrate with third-party payment processors like Apple Pay, Google Pay, etc,... See more

Rated 5 out of 5 stars

I genuinely love Privacy.com so much man. Thankfully, websites accept the virtual cards over some 95% of times at checkout. It has saved me from so many forgotten free trials and fraudulent charges fr... See more

Rated 5 out of 5 stars

This is such an amazing service. I use this on every website payment that feels even 1% shady (think healthcare practices, ecommerce shopping, restaurant reservation services, etc.) Now that I've had... See more


Company details

  1. Non-Bank Financial Service

Information provided by various external sources

Checkout securely online by creating unique credit card numbers for every purchase. Avoid data breaches, unwanted charges, and stolen credit card numbers.


Contact info

  • Madison Avenue 79, 10016, New York, United States

  • privacy.com

4.6

Excellent

TrustScore 4.5 out of 5

3K reviews

5-star
4-star
3-star
2-star
1-star

Hasn’t replied to negative reviews

How this company uses Trustpilot

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Rated 5 out of 5 stars

Privacy only for me.

While it takes a little time up front to set up, you get the hang of it and it becomes simple to use. Will never give my plastic credit card number for anyone to keep on file again. Privacy only for me.

26 November 2025
Unprompted review
Rated 5 out of 5 stars

I’m in control

I like having the ability to tailor each digital card with limits I set, and can turn them off anytime. I also like making burn cards for a one time purchase. Overall I like having control of my accounts, and that companies cannot as easily take money from me without my approval. I’ve been using this for a while without any issues so far, and I think privacy.com is doing great. I definitely recommend this service.

25 November 2025
Unprompted review
Rated 5 out of 5 stars

So easy to use

So easy to use! I love being able to turn off the card and turn it back on when I'm going to use it. Creating cards is so fast and the autofill function helps save time when purchasing. It's really too easy to spend money when using privacy. I can't imagine living without it.

20 November 2025
Unprompted review
Rated 1 out of 5 stars

Apparently they forgot how banking works

Apparently, they forgot how to do the 'banking' part of running a virtual card service. I used this for about a week and things were great, until I hit around 370 dollars of transactions.

At that point everything started getting declined. I contacted support and apparently, because that 370 dollars was still in a 'pending' status with privacy.com (even though the money had already been taken from my bank account!) i couldn't charge anything else because I only had around 375 bucks in my bank account.

So, I either had to put more money in my bank account or 'wait' for those ALREADY PAID FOR transactions to expire.

Pretty stupid. Support admitted it was a bug in their system and that it was now fixed, but my next transaction failed as well, so I just gave up on this service and closed my account.

This was as a paid member on the $5/mo plan. It's decent for one-offs using the free plan, but I wouldn't arrange your whole financial life around this service, and I wouldn't suggest paying for any of the subscription plans.

19 November 2025
Unprompted review
Rated 5 out of 5 stars

Control financial access to you online spending

I’ve been using Privacy.com for nearly a year, and it has become one of the most valuable tools in how I manage my online spending and subscriptions. The ability to generate dedicated virtual cards for each vendor — with custom spending limits per charge or per month — gives me complete control over my finances and eliminates the risk of unexpected or unauthorized transactions. If a vendor ever tries to overcharge or bill outside the agreed amount, the transaction is automatically blocked.

Creating and managing cards is incredibly straightforward. The interface is clean, intuitive, and makes it effortless to maintain separate cards for shopping, recurring subscriptions, or one-time purchases. As a Premium user, I’ve found the increased limits, additional card allotments, and advanced features well worth the price.

If you want a simple, secure way to control who can charge you — and for how much — I highly recommend Privacy.com. It has made my financial management far more predictable, secure, and stress-free.

17 November 2025
Unprompted review
Rated 5 out of 5 stars

Peace of mind with virtual credit cards

Privacy.com is a great service for secure payments. It gives me peace of mind knowing that the use of a virtual credit card is limited by vendor and/or dollar amounts. I've been using it for about a year, and it's worked very well!

11 November 2025
Unprompted review
Rated 5 out of 5 stars

With all of the unauthorized charge…

With all of the unauthorized charge attempts and the sites that want to automatically sign you up for an ongoing monthly charge, it is nice to have a place where I can limit my liability and stop overcharging and additional fake charges.
I love this service and I sleep better knowing that I don't have to scrutinize my monthly credit card charges so closely. Because I use PRIVACY.com to control my exposure. I am so happy I found these guys and gals.

31 October 2025
Unprompted review
Rated 4 out of 5 stars

Excellent app

Excellent app! It's allowed me to make payments and forget about these websites continuing to charge unwanted subscriptions or monthly fees. The only thing I'd like is the option to delete cards that are only used once.

1 November 2025
Unprompted review
Rated 5 out of 5 stars

The Privacy service is insanely good…

The Privacy service is an insanely good deal. The ability to create temporary, one time use credit card for online purchases is a no brainer. The site is easy to use. The browser plugin is easy to use. I'll never buy online without a privacy card again.

9 October 2025
Unprompted review
Rated 5 out of 5 stars

Great experience!

Great experience!
I can't count how many times I get a notification that a purchase was made without my consent, people stealing and reading your cards without your permission, shameless!
With privacy i can easily cancel a digital card and create a new one, and i dont have to worry about my Bank account being drained or the headache of calling a credit card company to dispute a charge.
One and done!

9 October 2025
Unprompted review
Rated 5 out of 5 stars

Privacy.com Is a game changer

Privacy.com has been a game changer for me. The ability to set limits on charge amounts, dedicate cards to certain stores and close out cards as needed makes my on-line charge life feel secure.
.
In the past I had made a purchase from a supplier, used privacy.com for my card, and set my spend amount to enough to cover the charge, once monthly. Little did I know, after I made the purchase, the supplier, tried to charge me for the next 3-months all at once. Having the card set with a specific amount and only able to be used once per month, prevented any charges from going through. I use for all on-line shopping now.

8 October 2025
Unprompted review
Rated 5 out of 5 stars

Privacy.com is invaluable to me in my online shopping.

Privacy.com one-time use/spend limit virtual card numbers are invaluable for my online purchases, particularly with unfamiliar businesses. They have saved me several times from fraudulent charges. They do their job! Customer service replied quickly to answer a question I submitted. I am extremely satisfied with Privacy.com.

3 October 2025
Unprompted review
Rated 1 out of 5 stars

Privacy.com another Carpetbagger

I researched their site about the benefits and privacy of using their services to create virtual debit cards. What attracted me was their free service, not reporting to credit card agencies, they collected the merchant transactions fees and did not require my SSN. They connect the account to my bank account and I was in control of my privacy, could control and protect myself from free trial scams and hidden subscriptions BUT after connecting my Bank Account through Plaid there was the Agreement that was needed to start service.
Dramatic Pause
Boom. In order to sign up with their service I would have to open a credit card account with Patriot Bank which is required to notify credit card agencies and get listed as a creditor.
BAIT and SWITCH.
All Privacy.com had to say clearly on their carpetbagging website that in order to use their service the User had to open up a Credit Card or Bank Account with Patriot Bank and I would not of provided them with any personal information and ignored their offer of services and not wasted my time with them.
Beware the sneaky Agreement at the end.
I canceled the connection through Plaid and it was done immediately which was very good.
If you want a credit card from a Bank and virtual debit cards to protect your privacy and from subscription scams Privacy.com might work for you but not me.

27 September 2025
Unprompted review

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