I came across privacy.com, a service that generates virtual credit cards, like aliases for your real credit card that can be paused or discarded at any moment.

My own credit card company has this feature. But it requires a browser plugin that so obviously is there to track my spending habits, so I’ve not wanted to consider it. Privacy.com looks like a great alternative.

But is it even worth it? It may be a hastle, but I can also cancel my actual credit card at any moment and they will send me a new number immediately and a card a few days later. From a privacy prospective, how much can a company use my credit card credentials to track me? Maybe a third-party virtual card provider even masks my own purchases so not even my credit card company knows? Not sure about that one.

Please share if you use one, who its with, and if its worth it.

  • DrRatso@lemmy.ml
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    1 year ago

    I don’t think your CC company needs a browser plugin to track your spending habits, since they are, y’know, making the payments for you… They already have all the info they need on your spending habits. Heck, my bank even gives me a neat budget overview of how I spend my money and where.

  • gibmiser@lemmy.world
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    1 year ago

    Idea sounds neat, but in my opinion the less people have your information the better. Seems like just another opportunity for a company to get hacked and loose all your information.

    • crawley@lemmy.world
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      1 year ago

      But this does the number of companies that have your information. If you use a privacy.com card at two online stores, that’s one company that had your info instead of two.

    • Empricorn@feddit.nl
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      1 year ago

      “Hacked”, people use this term way too often. If I create a card for Wingstop through Privacy, it’s locked to that merchant. So nobody can use it on Amazon or anywhere else, not even Privacy themselves! This is in addition to cards easily being created or deleted instantly.

      the less people have your information the better.

      Yes, that’s the entire point. Privacy has my payment info to complete transactions, just like any merchant would. But now, I never again have to provide my real name, email, phone number, or address, no matter who I purchase from online. I’ve “signed up” to local restaurants with 123 Fake Street and the transaction goes through…

    • Illogicalbit@lemmy.world
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      1 year ago

      In my opinion it’s a needless extra step. I have had my card number compromised before and it was very little hassle to get a new card and my out of pocket was $0. Debit cards would be a completely different discussion however.

    • HughJanus@lemmy.ml
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      1 year ago

      in my opinion the less people have your information the better.

      Yeah that’s kinda the point…

  • Jo Miran@lemmy.ml
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    1 year ago

    I use privacy.com all the time and it’s great. Their virtual cards can only be charged by a single vendor so if anyone else tries to send it a charge, it fails. A small rural service firm I use has a clear and ongoing data breach. Every month or two the virtual card I have with them starts being charged by thieves. The charges always fail because they aren’t the originally assigned vendor. I used to replace the virtual card at the vendor after every breach but it’s constant so I just let Privacy block the unauthorized charges.

    Another feature I use is the fact that you can use any name and address for the card you want.

  • 50Cent@lemmy.world
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    1 year ago

    Been using it for a few years but recently they have been requiring way more info than i feel comfortable giving out so dont use them much anymore. It used to work like an online wallet that you just deposit money into with no need to input your personal information which to me fit just fine with the “privacy.com” namesake but now you have to kyc all of your info including SS number which im not a fan of. Dont see the benefit if there really is no privacy anymore. Using it for temp cards for trials and such that are easy to cancel sure but not much more than that.

    • HughJanus@lemmy.ml
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      1 year ago

      This. If I’m required to give up all my personal info I might as well get some cash back and all the other CC benefits.

  • seathru@lemm.ee
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    1 year ago

    I mostly use privacy.com for trials that I don’t want to have to worry about cancelling later. It’s also handy that privacy.com cards will allow you to put whatever you want as your billing address (for example, purchasing digital goods and setting your location to one that doesn’t have sales tax).

      • Empricorn@feddit.nl
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        1 year ago

        I use Privacy and no, why would it? You’re allowed to purchase goods and services with legal tender. You aren’t legally obligated to give any of them your personal information.

      • seathru@lemm.ee
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        1 year ago

        Using it for trials? No. Using it to skirt taxes? Doubtful, but possible. If you stiff the state $6 on an x-box game, noones going to notice. Short them a couple thousand and they might.

  • Doctor xNo@r.nf
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    1 year ago

    My bank’s VISA functionality on my bankingcard not only requires a 2FA confirmation with a cardreader digipass every payment, but apparently also gives back an ‘expired’ answer when it gets checked after payment for ‘saving it for future purchases/subscriptions’, so most sites won’t and the ones that do have me removing and readding it everytime I want to pay… A bit of a hassle, yes, but it does prevent rogue companies from taking anything I’m not acknowledging behind my back and made the use of proxy-cc’s obsolete. It’ll just add another technical step through another service, which is just one extra thing that can bug out, while still having to do the digipass thing everytime anyway (or even remove and readd it there if it’s not able to save my card either.) 😅

      • Doctor xNo@r.nf
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        1 year ago

        BNP Paribas Fortis. They’re the first to replace ‘Maestro’ (by Mastercard but mainly only accepted in and close by Belgium) with the new VISA alternative of it, giving me a cardnumber which is also a working visa number and enabling me to use it on any website like a credit card…

  • Apollo2323@lemmy.dbzer0.com
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    1 year ago

    I used to have privacy.com , they will ask for really personal details such as SSN and Government issue ID. When I created an account back when it was really new they just ask you for email and password and the bank account number and routing after they started asking for more private information I decided to quit. Virtual credit cards of this nature are to be able to easily block and delete credit cards if gets leaked not really for protecting your privacy because it is tied to your bank account. I will prefer to use my own bank and credit card company virtual cards because they already have all my info to be honest.

    • meseek #2982@lemmy.ca
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      1 year ago

      Check out wise.com. I use them for client payments on occasion but they have virtual cards that you load up and use like a real Visa. You can set limits, even by vendors.

      • asap@feddit.de
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        1 year ago

        If you’re in the EU, Revolut is better than Wise because they have one-time-use virtual cards. As soon as the transaction is made, the number can’t be used again.

        • meseek #2982@lemmy.ca
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          1 year ago

          Yeah Wise has the same. I’m sure at this point they offer feature parity and it’s about quality of service. Wise has been good. Probably the least invasive. Bill.com was atrocious! Promises of removing my data and they are emailing me years later.

          • asap@feddit.de
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            1 year ago

            Wise does not have the same. Here’s my EU card page: https://i.imgur.com/yvrUSvq.png

            They offer virtual cards, but not one-time-use cards. It’s a big difference in safety.

            In fact, apart from just finding out about privacy.com (only available in the US), I’m not aware of anybody except Revolut who offers one-time-use cards.

            e: If you know how to do it with Wise, please let me know. (Virtual cards which can be deleted after use are not the same as one-time cards.)

    • Devjavu@lemmy.dbzer0.com
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      1 year ago

      Sadly no. The cards are american and there is some thing that I forgot the name and exact function of, which allows you to pay with american cards inside the EU, however that requires id, which privacy.com does not do.

    • guacho@lemmy.world
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      1 year ago

      On the UE I use Revolut. It has this feature of virtual cards, and also it’s able to create a temporary card for only one use.

  • averyminya@beehaw.org
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    1 year ago

    I use my card provider’s version of this, Capital One. I’ve used privacy.com once too but I figured I may as well limit the amount of information that goes out.

    I’m not sure that it’s possible for you to… Mask your purchases? The option is more the ability to set end-dates - a one week subscription is only one week and will never renew, etc, and of course to prevent them from having your actual card details.

    Either way, realistically you’d want to look into the ownership of these services - Eno, Privacy, etc and decide from there if it’s worth it to you.

  • pathief@lemmy.world
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    1 year ago

    In Portugal, pretty much everyone has access to this functionality. I think the functionality is amazing, I use it very often. The fact the cards only work once and have a spending limit really gives me a sense of security.

    Revolut also has this functionality, I use it for purchases in foreign currency.

    Never heard of privacy.com, I’m already set with the services that provide this functionality. I can’t say if the service is good or not, but the practice of creating virtual credit cards is invaluable.

  • jacktherippah@lemmy.world
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    1 year ago

    Would be nice if it was available worldwide. I have no options for virtual credit cards like that in my country. I’ve been using banking alot for daily transactions but will probably switch back to carrying cash again for smaller things.

  • akilou@sh.itjust.works
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    1 year ago

    I use privacy.com for free trials when I have no intention of continuing with the service after the trial ends. I still manually close the account but I use a Privacy card just in case they try to charge me anyway.

  • MinekPo1 [She/Her]@lemmygrad.ml
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    1 year ago

    I don’t as there is a service called blik in my country which seems private enough and is way more hassle free to use. It generates one time use codes for payment and requires user confirmation for each payment. Not sure how private it is on the back end, but it pretty much gets rid of the same risks virtual credit cards target. It’s also pretty well supported, both by banks and payment processors.

    Again not sure how private it is on the back end, but, at least for me, its more user friendly than using a credit card so I cant be bothered.

    Edit: the privacy policy for both blik and their website (I think?) is 13 pages, 9 of which give a detailed description of how they use cookies. Also the privacy regulations here are quite strict and they actually follow them, so you can not opt into cookies with as much effort as it takes to opt in. It is also a service made by banks, so I feel its quite trust wordy.

    Also OP, if the banks web extention doesn’t require access to all websites, it probably won’t track you, at least more than your bank tracks you already.

    • rutrum@lm.paradisus.dayOP
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      1 year ago

      Wow 2fa on credit card purchases is a brilliant idea. And yeah I should probably look a little closer at my bank’s extension and see if its really the threat I think it is.

      • MinekPo1 [She/Her]@lemmygrad.ml
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        1 year ago

        BTW, normal online credit/debit card purchases can require 2fa. I got automatically enrolled, but I’m not about people who don’t use the mobile app, but SMS 2fa may be used as a fallback :/

  • u/lukmly013 💾 (lemmy.sdf.org)@lemmy.sdf.org
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    1 year ago

    My bank provides those. They are generated for each physical card you own, inheriting its limits and blocking status. Each of those cards can be used for one payment. Unfortunately, there is no way to block them before making that one payment after you generate it.