8 BEST Privacy.com Alternatives (2025)
Mia Young
Privacy.com is one of the best virtual card providers globally. However, it has various issues including weak international currency support and questionable privacy/security tools. As a result, people are switching to popular Privacy.com competitors. That’s why you need to choose from the best alternatives to Privacy.com with better international coverage, proper rewards, and great security.
I researched over 40 BEST Privacy.com Alternatives with 100+ hours of analysis to bring you the most comprehensive list of free and paid options. My unbiased review covers key aspects like features, pros and cons, and pricing, offering a secret peek into top picks. This ultimate guide may help you make a confident decision. Do not miss the full article for exclusive, verified information. Read more…
IronVest offers awesome masked credit cards that protect account details and reduce theft risks. It protects your digital privacy by providing masked email addresses, making it one of the best virtual card providers.
Best Privacy.com Alternatives: Top Picks!
| App Name | Coverage | Free Trial | Set Up Fee | Link |
|---|---|---|---|---|
| 👍 IronVest | 18 Countries | 30 Days | Free | Learn More |
| Ramp | 195 Countries | Lifetime Free Basic Plan | Free | Learn More |
| US Unlocked | 180+ Countries | Yes, 3 Months | Free | Learn More |
| Wallester | 35 Countries | Yes, 300 Virtual Cards | Free | Learn More |
| Mercury | 152 Countries | Free Software | Free | Learn More |
1) IronVest
Best for highly secure and private transactions
IronVest offers awesome masked credit cards that protect account details and reduce theft risks. I particularly appreciate the strong identity protection and reduced exposure these cards provide. In my experience, they offer better privacy compared to regular bank-issued cards, which makes them one of the top-notch options.
Individuals can fund their virtual credit cards through various means, including real credit cards or bank accounts. It protects your digital privacy by providing masked email addresses, making it one of the best virtual card providers. You can generate masked autofill profiles to create accounts on the website without sharing your actual identity.
Annual savings: 4%
Additional cards: Unlimited
Security: AES-256
Fees: No annual fees
Features:
- Account Protection: The biometric authentication support protects your accounts from any unauthorized access.
- Device Support: It is available through app stores on Android and iOS, along with browser extensions for Chrome and Firefox.
- Business Fraud Protection: IronVest’s AuthenticAction protects businesses from their unauthorized transactions.
- Business API: I found the API ideal for integrating financial security with my existing business needs.
- Support: Responsive customer support is available through email and chat.
Pros
Cons
Pricing:
Some of the key pricing plans from IronVest are:
| Plan Name | Duration | Price |
|---|---|---|
| IronVest Essential | 1 Month | Free |
| IronVest Plus | 1 Month | $5.95 |
| IronVest Ultimate | 1 Month | $14.95 |
Free Trial: Yes, 30 Days
30-Days Free Trial
2) Ramp
Best Easy-to-use cards
Ramp offers impressive virtual credit cards, perfect for vendor payments, spending tracking, and budget management. I found that Ramp integrates well with accounting services, which helps to speed up receipt chases and approvals. The card setup is quick, allowing you to make transactions in just 15 minutes, making it a top choice for businesses.
You can use Ramp’s various tools, integrations, and services to create your workflows. It provides a wide array of native integrations with ADP, Google, Slack, and more, as needed. This is among the best virtual card providers that help you better manage various business needs.
Features:
- Accountability: It allows you to empower your teams by providing them with tools to purchase necessary assets.
- Freedom: It does not require any personal credit checks, guarantees, and/or various other forms of paperwork for this.
- Expense Management: It provides tools to automatically report and control expenses at scale.
- Security: Ramp’s virtual credit cards are more secure than conventional physical cards. They use modern SOC2 and PCI compliance which creates an additional layer to protect against hackers.
- Insights: It allowed me to gain real-time insights into spending behaviors, which is great for expense optimization.
Pros
Cons
Pricing:
Ramp offers the following pricing options:
| Plan Name | Cost (per user, monthly) |
|---|---|
| Ramp | $0 |
| Ramp Plus | $15 |
| Ramp Enterprise | Contact Sales |
Free Trial: Lifetime Free Basic Plan
Lifetime Free Basic Plan
3) US Unlocked
Best virtual card for shopping in the USA
US Unlocked is one of the most effective Privacy.com alternatives for accessing online services and content. It allowed me to create virtual credit cards with ease from my account. I particularly appreciate that these cards worked flawlessly on Amazon, Hulu, and Disney, offering a superior choice for reliable payments.
With US Unlocked you can generate one-time use cards that are ideal for masking your identity and protecting privacy. It breaks down all your spending across various categories. This helps you better analyze and understand your spending patterns. The straightforward registration procedure allows for quick signup and setup.
Annual savings: Not Specified
Additional cards: Not Specified
Security: 128-bit Encryption
Fees: No Hidden Fees
Features:
- Device Support: It has native support for the web, macOS, Android, and iOS.
- Loading Methods: You can load money using various methods including Local Bank Transfer, Sofort, etc.
- Ease Of Use: It is designed to be straightforward to use, suiting beginners and inexperienced users.
- Purchasing: With US Unlocked, you get direct access to 1000s of digital merchants globally.
- Customer Support: I could access support easily via FAQs, email, and online contact forms.
Pros
Cons
Pricing:
Variable pricing based on country, loading method, and load amount.
Some of the key transactions and their charges are:
| Transaction Type | Charges |
|---|---|
| Point of Sale Transaction | $0.50 per transaction |
| Monthly Maintenance | $3.50 per month |
| Bank Transfer, SoFort, Ideal, DirectPayEU | $3.50 + 3% per load |
3-Months Free Trial
4) Wallester
Best for Corporate Expense Management and Privacy
Wallester offers a robust platform for businesses needing secure and efficient corporate virtual cards. With features like customizable spending limits and real-time expense tracking, Wallester stands out as a top choice for businesses managing expenses while prioritizing privacy. Its support for unlimited card issuance ensures scalability for growing teams and operations.
With Wallester, businesses can set tailored limits on virtual and physical cards, providing full control over spending. Real-time tracking ensures transparency in financial operations. The integration with accounting software and APIs enhances workflow efficiency for businesses of any size.
Features:
- Card Freezing: Instantly freeze or block cards to prevent unauthorized transactions in case of theft or fraud.
- Mobile Payment Integration: Compatible with mobile wallets like Google Pay, Apple Pay, and Samsung Pay for secure and convenient transactions.
- Notifications: Push notifications keep you informed about all account activity, including suspicious transactions or spending patterns.
- Scalability: Flexible solutions for businesses of all sizes, with features designed to grow alongside your operations.
- Enhanced Security: Industry-standard encryption, 3D Secure, and two-step authentication safeguard your data and transactions.
- Customization: Issue cards with customized spending limits and track spending in real-time through an intuitive app.
Pros
Cons
Pricing:
| Packages | Price |
|---|---|
| 300 virtual cards included | €0 per month |
| 3000 Virtual cards package | €199 per month |
| 15000 Virtual cards package | €999 per month |
Free for Use
5) Mercury
Best for generous rewards, discounts, and cashback
According to my review, Mercury offers awesome banking and credit card services that help speed up company growth. It is perfect for those seeking a Privacy.com alternative for purchases and international deals. I could access transactions in 152 currencies with ease. It also gave me free wires in USD and excellent unlimited 1.5% cashback, making it a top-rated choice.
Features:
- Set Spending Limits: It lets you easily configure spending limits for each app and service ensuring you never overspend.
- Scalability: It provides scalable solutions for all business sizes. You can find solutions to match your firm’s requirements.
- Customer Support: Support is available via phone calls, and emails.
- Spending Control: You can use spending controls to control, limit, and monitor your employees.
- Ease Of Use: In my experience, it is one of the easiest tools, perfect for inexperienced users.
Pros
Cons
Pricing:
| Plan | Charges |
|---|---|
| Mercury | $0 |
| Mercury Plus | $35 per month |
| Mercury Pro | $350 per month |
Free for Use
6) Klutch
Best for getting a quality personal virtual card
I reviewed Klutch and found it ideal for setting up automated payments. It helped me avoid missing any due dates for my subscriptions. I was able to quickly fill my spreadsheet with transaction data, making it a great option for budget tracking. I also appreciate that I could manage subscriptions with just one click.
It provides you with data and insights about the financial activity of your virtual debit cards. All your online purchases are categorized to help you better understand spending patterns. It provides virtual cards for each transaction and payment. This allows for effortlessly blocking/deleting cards in case of any security concerns.
Features:
- Automation: You can build automation and custom logic to save time and automate boring manual tasks.
- Set Spending Limits: It lets you easily configure spending limits for each app and service ensuring you never overspend.
- Kids: You can create cards for your kids for their allowance. This allows you to manage and track spending in real-time.
- Transaction History: You can look into transaction history with online purchases having details of the actual names of receivers/senders as well.
- Control: I found it easy to block or unblock my virtual cards with just one tap.
- API: The robust API for businesses to integrate with their apps and services.
- Mastercard: Klutch is affiliated with Mastercard, it ensures consistent and reliable services for everyone globally.
Pros
Cons
Pricing: 1 card free, then $6 per card
Link: https://www.klutchcard.com/
7) Skrill
Best business wallet for online transactions
Skrill is one of the most secure Privacy.com alternatives for setting up virtual cards. The advanced system tracks every card transaction, which helps keep my payments safe. I particularly liked the fraud controls and risk measures. The API allowed me to manage all actions and build strong integrations without hassle, making it a great option.
You can easily access and manage 40+ currencies with advanced reporting and analytics from just one account. It helps you effortlessly connect and collaborate with millions of existing Skrill wallet holders globally. You get access to over 100 local payment methods to choose from.
Features:
- Payments: It allows you to perform easy 1-tap payments through their virtual debit cards. Using Skrill you can make international bank transfer for free.
- Money Transfer: You can easily send and receive money by bank transfer for free.
- Privacy: It keeps your data safe and protects your privacy by following all guidelines and security standards, including GDPR and CPRA.
- Forex: Their payment solutions help you perform currency conversion by using Skrill Exchange. It allows you to easily access exchange rates and make trades at nominal charges of 3.99%.
- Loyalty: It provides loyalty points and rewards for withdrawals, deposits, and online spending.
- Mastercard: During my review, I could rely on the MasterCard affiliation for worldwide acceptance and reliability.
- Customer Support: Customer support is available via email and the online support portal.
Pros
Cons
Pricing:
Variable fees based on location and currency used for deposits.
Some of the key fees are:
| Transaction | Fees |
|---|---|
| Fund Deposit | $0 |
| Withdrawals | Starts at $5.50 |
| Send money | No Fees |
Link: https://www.skrill.com/en-us/business/digital-wallet-checkout/
8) Moon
Best Virtual Cards to pay with crypto
Moon is a great option among apps like Privacy.com for cryptocurrency payments. During my review, I found it simple to fund my Moon wallet with Coinbase or a Lightning Network wallet. I particularly liked that I could create and delete virtual cards easily. It helped me make secure online payments using cryptocurrency.
You can use it on many popular online payment platforms like Etsy, Walmart, eBay, and Costco. This crypto wallet protects your data from leaks and hacking attempts. It complies with GDPR and CCPA privacy rules, along with Coinbase encryption for additional security. The 2 Factor Authentication for their mobile app additional security and avoids unauthorized access.
Features:
- Browser Support: You can add Moon to your browser via native extensions available for all popular browsers.
- Cryptocurrency: You can fund your account with various cryptocurrencies including Bitcoin, Litecoin, and Ether.
- Limits: Set limits and restrictions on your account to ensure you never go over budget.
- Payments: Native support for popular payment merchants including eBay, Airbnb, Etsy, Steam, and Walmart.
- Security: In my experience, the encrypted data is stored safely, which helps you avoid unauthorized access.
- Customer Support: Support is available via live chat and email for you.
Pros
Cons
Pricing: Lifetime Free
Link: https://paywithmoon.com/
Why Use Virtual Cards?
Virtual credit cards are a great choice for doing financial transactions while protecting your privacy and security. They can be easily created and disposed of, and provide much better flexibility compared to conventional cards. Most cards offer attractive cashback and rewards during online transactions. They can be easily linked to your Google Pay, Apple Pay, or Samsung Pay account as well.
You can use virtual cards to easily make online payments, provide kids with limited access, and unlock free trials. Businesses can also offer virtual credit cards to their team members as a part of employee benefits. They are ideal for accessing data, analyzing spending behaviors, and staying within the budget. In case of robbery/loss/misuse, they can be easily disabled/blocked/deleted for your protection.
What are the common issues faced by Privacy.com?
Some of the common issues with Privacy.com virtual cards include:
- Security: Despite the name, Privacy.com lacks advanced privacy and security features to protect your data.
- Coverage: Privacy.com works mainly in the USA and surrounding islands. The support and functionality outside North America is largely restricted.
- Virtual Cards: It is limited to a maximum of 12 cards per month for the basic plan, which is usually not enough for most users.
- Rewards: Compared to other virtual debit card providers, it offers very weak rewards, cashback, and bonuses. Even in top plans, you get a maximum of 1% cashback.
How Did We Choose Best Privacy.com Alternatives?
At Guru99, our commitment to credibility drives us to deliver accurate, relevant, and objective content through rigorous research and review processes. I analyzed over 40 BEST Privacy.com Alternatives, dedicating 100+ hours to provide a comprehensive list of free and paid options. This unbiased review covers features, pros and cons, and pricing, giving you a secret look into top picks. We focused on trusted tools that offer strong security and seamless user experience. Check out below important factors.
- Security Focus: We prioritized tools that offer strong encryption and privacy features to protect sensitive information.
- Free and Paid Options: We selected alternatives that provide both free and paid plans for diverse user needs.
- User Experience: Our picks include services that are user-friendly and easy to set up with clear interfaces.
- Pricing Value: It is important to choose cost-effective solutions offering great value for money without compromising features.
- International Support: We considered options with global coverage, making them suitable for users worldwide.
- Customer Feedback: According to reviews, only top-rated services with positive user experiences were included.
Verdict:
In this review, you learned about several effective alternatives to Privacy.com that offer unique benefits. Based on my thorough analysis, I recommend these top options:
- IronVest impresses with its secure, customizable privacy features, designed to protect your sensitive financial data while offering comprehensive control.
- Ramp provides a powerful and reliable solution with robust spending controls and seamless integration, making it a top-notch choice for business expenses.
- Mercury stands out with its cost-effective approach and user-friendly interface, ideal for startups looking for a remarkable online banking experience.
