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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    9 months 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.

  • Jo Miran@lemmy.ml
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    9 months 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.

    • whale@lemm.ee
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      8 months ago

      Nice to see I’m not the only member of the “clear and ongoing data breach” club. Surely this has to be legally actionable…

  • pathief@lemmy.world
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    8 months 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.

  • averyminya@beehaw.org
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    9 months 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.

  • whale@lemm.ee
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    9 months ago

    I have used the privacy.com masking service for a long time, and I prefer above its competitors.

    The service is not good at hiding your transactions from, say, a government, but it’s sufficiently good at keeping your identity and money safe from rogue companies.

    • When purchasing, the vendor does not get your bank account details, they get a disposable debit card number that you can set usage limits to; it is also restricted to the first vendor that uses it
    • The bank does not get details about what company you are purchasing things from; all it knows is that money went to PrivacyCom.

    This service has saved my butt before. Once, I tried purchasing an old DVD off a schedule website for a physical place. The purchase never went through, but I had a $200 attempted purchase for “sewing machine” to the same masked card. It failed, because I set a limit of roughly $30 to the card. Then a second charge, for $1, almost went through… Except, by this point, the card had been locked to “sewing machine” and the fraudulent charges were no longer able to start.

    Of course, if another service comes along with similar features to Privacy, with a similar cost, and perhaps a couple extra features (for example, Privacy could use a better privacy policy)! I would go pretty quickly to the superior service. It’s a little unfortunate that the competition is relatively minimal in the USA.

  • seathru@lemm.ee
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    9 months 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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        9 months 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.

    • meseek #2982@lemmy.ca
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      9 months 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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        9 months 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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          9 months 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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            9 months 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.)

  • Doctor xNo@r.nf
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    9 months 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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        8 months 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…