8 BEST Privacy.com Alternatives (2025)

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…

Best Privacy.com Alternatives: Top Picks!

App Name	Best For	Coverage	Set Up Fee	Free Trial	Link
Ramp	Business expense & vendor payments	195 Countries	Free	Lifetime Free Basic Plan	Learn More
US Unlocked	Online US shopping access	180+ Countries	Free	Yes, 3 Months	Learn More
Wallester	Corporate card issuance & control	35 Countries	Free	Yes, 300 Virtual Cards	Learn More
Rippling	Integrated HR, IT, and finance platform	80 Countries	Free	Get a Free Quote	Learn More
Mercury	Highly secure masked cards	25 Countries	Free	Lifetime Free Basic Plan	Learn More

1) 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:

• Freedom: Ramp offers card access without the typical red tape like personal guarantees or credit checks. I appreciated not having to submit personal paperwork during account setup. It makes onboarding faster and cleaner for founders.
• Insights: Ramp gave me real-time visibility into our spending patterns across teams. I used it to reduce unnecessary software subscriptions last quarter. You will notice spending anomalies faster with these dashboards than with traditional spreadsheets.
• No Personal Credit Checks: Ramp issues corporate cards without needing personal credit checks or guarantees. This keeps your personal credit score untouched while accessing flexible business financing. I suggest using this to separate business liabilities from your personal profile—especially helpful for startup founders.
• Automated Expense Management: Ramp matches receipts to transactions and applies expense rules automatically. This significantly cuts down on manual tracking and approval delays. While using this feature one thing I noticed is that policy alerts can be customized to flag non-compliant purchases in real-time.
• Global Payment Capabilities: Ramp supports payments in over 195 countries and 40 currencies. This helped me streamline vendor transactions across our U.S. and E.U. teams. I no longer needed multiple banking platforms for international spending.
• 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.

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

Visit Ramp >>

Lifetime Free Basic Plan

---

2) 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.

Features:

• One-Time Use Cards: These virtual cards are ideal for single-use transactions, blocking potential fraud after the first charge. I used this when signing up for a trial service. The tool lets you auto-lock cards after use, which adds an extra layer of control.
• Global Accessibility: US Unlocked works in most countries, letting me shop from U.S. retailers without a domestic bank account. This made international shopping seamless. While testing this feature, I noticed that pairing it with global forwarding services maximized its usefulness.
• No Monthly Fees: The platform has no hidden monthly charges, making budgeting predictable. I appreciated this compared to similar services like Revolut or Wise. That extra transparency helps keep spending focused on actual purchases.
• Load Flexibility: You can fund the account via bank transfer, debit, or credit card. I found the process simple and the fees clearly displayed upfront. I recommend using a rewards credit card to fund your account—this way, you earn points while you shop.
• Secure Transactions: The platform uses strict security protocols to prevent misuse. I never had to worry about my virtual cards being compromised. Each purchase felt safe, especially with merchant-specific locking options.
• U.S. Billing Address: US Unlocked assigns a U.S. billing address, which helped me access stores like Walmart and Best Buy. This bypassed location blocks effectively. There is also an option that lets you preview which retailers accept this billing address, making planning easier.

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	$6.50 per month
SoFort	$3.50 + 3% per load
Pay by Bank	$0.70 + 4.50% per load
Unload Fee	$11.50 per load

Visit US Unlocked >>

3-Months Free Trial

---

3) 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. I used this once when I misplaced my card while traveling. While using this feature one thing I noticed is how fast it responds—it freezes in seconds, which can stop fraud in real-time.
• Mobile Payment Integration: Compatible with mobile wallets like Google Pay, Apple Pay, and Samsung Pay for secure and convenient transactions. I’ve personally used it across devices, and the setup is simple. There is also an option that lets you manage mobile wallet usage directly in the dashboard for added control.
• Notifications: Push notifications keep you informed about all account activity, including suspicious transactions or spending patterns. I suggest enabling all alerts—even the minor ones. This helps you track every transaction and respond faster to potential fraud or overspending.
• Customization: Issue cards with customized spending limits and track spending in real-time through an intuitive app. I have helped teams use this feature to manage department budgets efficiently. I recommend setting specific limits by category to gain deeper control over business expenses.
• White-Label Card Issuing: Customize cards with your brand’s design and logo, offering a personalized experience to cardholders. This feature strengthens your brand presence and improves customer trust. You will notice stronger client loyalty when your cards match your brand identity.

Pricing:

Packages	Price
300 virtual cards included	€0 per month
3000 Virtual cards package	€199 per month
15000 Virtual cards package	€999 per month

Visit Wallester >>

Free for Use

---

4) 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:

• Custom Spend Controls: Mercury helps you set spending limits per virtual card, block merchants, and track recurring charges. I found it handy for managing team expenses across SaaS tools. While testing this feature, I noticed you can auto-lock cards after first use, which greatly reduces fraud risk.
• Free Domestic & USD International Wires: You can send and receive domestic and USD international wires without fees. I used this when paying a vendor in Canada and the process was smooth. There is also an option that lets you save templates for frequent transfers, which speeds things up.
• Automated Bill Pay: Mercury uses AI to auto-fill invoice details and flags duplicates to avoid double payments. You can also add layered approval workflows for teams. I recommend integrating your accounting software to auto-sync transactions and reduce manual entry errors.
• Mercury Treasury: The Treasury feature lets businesses earn yields by parking idle funds in money market investments. I set this up for a client’s startup treasury in under 15 minutes. You will notice that Mercury automatically moves excess funds above your threshold, so your capital stays productive.
• Seamless Invoicing: I created branded invoices within Mercury and enabled ACH and card payments easily. The option to schedule recurring billing saved time for service retainers. While using this feature one thing I noticed is that invoice reminders are sent automatically if the payment is overdue.

Pricing:

Plan	Charges
Mercury	$0
Mercury Plus	$35 per month
Mercury Pro	$350 per month

Visit Mercury >>

Free for Use

---

5) 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.

Features:

• Unlimited Masked Cards: ronVest offers unlimited masked virtual cards that keep your real card details hidden during online purchases. It adds a solid layer of protection from fraud and unauthorized tracking. While using this feature one thing I noticed is that the card generator works instantly, even during high-traffic hours—perfect for flash sales or time-sensitive buys.
• Automated Spending Limits: IronVest monitors user behavior and automatically sets spending limits to reduce risk. It adapts over time based on usage history, which builds trust and better financial control. I suggest pairing this with bank alerts for real-time oversight, especially if you’re managing multiple cards.
• Premium Plan Incentives: Annual or monthly unlimited plans give you access to extra tools and better pricing. I tested both tiers and found the annual one more economical long-term. You also get higher-priority support and added security controls.
• Account Protection: Biometric authentication, like fingerprint and facial recognition, is integrated to guard account access. It ensures that even if login data is compromised, the account stays protected. You will notice setup takes less than two minutes, and login becomes faster than typing a password.
• Business Fraud Protection: IronVest’s AuthenticAction is engineered for business use, detecting and blocking unauthorized transactions before they escalate. I’ve seen it outperform traditional two-factor checks during client testing. It’s a game changer for any business handling recurring online payments.

Pricing:

Some of the key pricing plans from IronVest are:

Plan Name	Duration	Price
IronVest Essential	1 Month	Free
IronVest Plus	Yearly	$39
IronVest Ultimate	Yearly	$99

Free Trial: Yes, 30 Days

Link: https://ironvest.com/virtual-cards/

---

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:

• Single-Use Virtual Cards: Create unlimited one-time-use cards that expire after use, shielding your real card from fraud. It’s fast and ideal for risky online purchases. While using this feature one thing I noticed was how effective it is against recurring charge traps from trial sites.
• Spending Categories Visualization: Track your spending habits through intuitive, adjustable charts. It helps you see where your money goes and what to adjust. The tool lets you export visuals for meetings or share them with family for transparency.
• Child Allowance Management: Assign individual cards to kids and monitor how they spend their allowance in real time. This teaches financial responsibility early on. I used this with my nephew, and it sparked great conversations about budgeting.
• Advanced Spending Controls: Set up smart rules that block or approve transactions by merchant, amount, or category. It’s especially helpful for managing subscriptions or limiting impulse buys. I recommend fine-tuning these controls monthly for best results.
• Google Sheets Integration: Your spending data syncs automatically into Google Sheets, allowing live updates and custom dashboards. I created weekly pivot tables to track subscriptions. There is also an option that lets you apply formulas automatically using Apps Script.
• If/Then Automation: Set conditional logic to automate actions, like flagging large expenses or freezing a card. This works well for business expenses too. I suggest testing rules on a dummy card first to avoid surprises.

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:

• Prepaid Mastercard: Skrill’s prepaid Mastercard gives you control over your online spending with both physical and virtual options. It’s great for maintaining privacy during transactions. You will notice the virtual card is ideal for temporary purchases or subscriptions you plan to cancel later.
• Enhanced Account Security: Skrill uses two-factor authentication and active fraud detection systems to protect every transaction. Your account activity is always monitored. While using this feature one thing I noticed was that setting custom spending limits adds another layer of safety.
• Low-Cost Global Transfers: You can send money worldwide without exposing your bank details, which supports greater anonymity. Skrill’s fees are lower than many traditional services. I’ve used it to pay freelancers overseas, and the transaction was smooth and fast.
• Payments: With Skrill’s 1-tap payment support, transactions become seamless through virtual cards. You also get the benefit of free international bank transfers. I recommend linking Skrill to services like Wise for enhanced currency control and tracking.
• 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%.

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/

---

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:

• USD-Based Spending: Moon cards are preloaded in USD, which makes them widely accepted across major U.S. ecommerce platforms. I found this especially helpful when shopping at smaller retailers that don’t support crypto. You will notice the USD load gives more control over budgeting compared to volatile coin-based payment methods.
• Browser Extension Compatibility: The browser extension for Chrome and Firefox speeds up the virtual card creation at checkout. I’ve used this personally while shopping on Etsy, and it worked instantly. The tool lets you auto-fill payment fields, which reduces checkout friction during flash sales.
• Low Barrier to Entry: Moon does not require credit checks, making it more inclusive than many prepaid card tools. It was ideal for one of my freelance clients without U.S. banking access. It’s quick to set up and easy to verify.
• Cryptocurrency: Users can top up with Bitcoin, Litecoin, and Ether, blending privacy with flexibility. I tested this with Coinbase and the transfer reflected in minutes. I recommend linking a wallet with low transaction fees to optimize your top-up process.
• Payments: Moon supports eBay, Airbnb, Steam, Walmart, and more—making it highly versatile for online transactions. I once used it to book a last-minute Airbnb without linking my actual card. This adds an extra layer of financial privacy.

Pricing: Lifetime Free

Link: https://paywithmoon.com/

Feature Comparison Table

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:

• Ramp provides a powerful and reliable solution with robust spending controls and seamless integration, making it a top-notch choice for business expenses.
• US Unlocked is one of the most effective Privacy.com alternatives for accessing online services and content.
• Wallester With Wallester, businesses can set tailored limits on virtual and physical cards, providing full control over spending.