Privacy.com, founded in 2014, operates a virtual card platform that allows consumers and businesses in the United States to generate unique, anonymized 16-digit payment cards for use in online transactions. Rather than exposing real bank or credit card details to merchants, users create masked cards that shield their underlying financial information. The platform has processed billions of dollars in payment volume and serves more than 250,000 users.
The core product centers on control and containment. Cards can be locked to a single merchant, set for one-time use, or configured with hard spending limits - meaning a compromised card number cannot be used elsewhere or beyond a defined amount. Cards can also be paused or closed at any time. For businesses and individual users seeking additional functionality, premium tiers offer category-locked cards for budget tracking, cashback rewards, and waivers on foreign transaction fees.
On the technical side, Privacy.com operates across virtual card provisioning, payments infrastructure, and fraud protection. The platform holds PCI-DSS compliance and SOC 2 Type II certification, and applies 256-bit encryption across its systems. Engineering work spans payment security, e-commerce payment flows, and the compliance requirements that come with operating in regulated financial services.
