Privacy.com
Privacy.com is a fintech wallet issued on Mastercard, rated 8.7/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Privacy.com is the strongest fit for all-rounder and ad spend, and asks for ID only at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Privacy.com · Fintech Wallet |
| Official site | https://privacy.com |
| Best for | All-rounder · Ad spend |
| Network | Mastercard |
| Rating | 8.7/10 (4.5★, 74 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | 0 |
| Monthly / annual fee | 0 (Personal free; Plus $5 / Pro $10 / Premium $25 per mo) |
| Top-up (deposit) fee | Not applicable |
| Minimum deposit | Not applicable |
| FX / conversion fee | 3% foreign (min $0.50); $0 on Pro/Premium |
Verification and risk
| KYC required | ID Only |
| Risk level | Low |
| AVS check | Yes (US AVS) |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | 12 (Premium 60) |
Billing
| Billing address | US General |
| Billing country | United States |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
| Meta / Google Ads | Yes |
| AI tools noted | ChatGPT / Claude / Midjourney |
What the issuer states on its own site
- You get everything from Pro, and your monthly card creation limit jumps to 60, giving you the flexibility to issue cards at scale without hitting a ceiling.
- You can set a spend limit on any Privacy Card so you won't be charged for more than you authorize.
- Privacy is currently available to US citizens or legal residents with a checking account at a US bank or credit union, and who are 18+ years of age.
Source: https://privacy.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 559390 | Mastercard | United States | Debit | 295 | 207 | 70.2% |
We logged 207 cleared charges out of 295 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Privacy.com cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is 0 (Personal free; Plus $5 / Pro $10 / Premium $25 per mo); top-ups cost Not applicable; conversion is priced at 3% foreign (min $0.50); $0 on Pro/Premium; you need Not applicable to get going. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Privacy.com?
Privacy.com asks for ID only at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: ID Only
How can I fund Privacy.com?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Privacy.com need?
Setting it up: the billing address type is US General; cards are issued against United States; an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Privacy.com work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Privacy.com trigger 3-D Secure?
Yes. Privacy.com supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Privacy.com?
The issuer allows 12 (Premium 60). Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.
Related virtual card searches
Alongside the Privacy.com virtual card, shoppers ask about Privacy virtual cards, the Privacy.com virtual credit card, a Privacy debit card, and a virtual Privacy card for masked online spending.