How to use “Privacy” a US virtual credit card platform?

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Privacy is an American startup that provides virtual credit card services to individuals. The company’s name, Privacy, is an indication of its mission: to protect the privacy of individuals as much as the security of their credit cards, and it’s very easy to use. This virtual credit card provider has two number segments, BIN 485910 and BIN 476771, with 476771 being the more common one.

Parameter analysis of the two cards

BIN 485910:

How to use "Privacy"  a US virtual credit card platform
Privacy virtual card 485910

BIN 476771:

How to use "Privacy"  a US virtual credit card platform
Privacy virtual card 476771

Both cards are prepaid level debit cards, and since they are for individual users, they are not issued in unlimited quantities and have limits on spending.

Documents required for the registration of the virtual card “Privacy”

  • U.S. Checking accounts (U.S. dollar currency), currently supports more than 9,000 financial institutions, including Bank of America, CHASE Bank, Wells Fargo Bank, CITI Bank, CaptalOne and Us bank, etc. Savings accounts are not supported. In addition, the Checking account balance must be higher than $50 or it cannot be used to activate your Privacy account.
  • A true and valid US address, preferably the same as your US bank billing address, as sometimes manual verification is required to open it.
  • U.S. cell phone number for receiving verification codes, available with Google Voice.
  • Please fill in your name and birthday truthfully. If you need to verify your information, it is convenient to do so with your own passport.
  • Using US IP addresses
  • Email, Gmail is recommended

Registration process

The Privacy virtual card website shows that only U.S. citizens and U.S. green card holders can apply to use it, but since an SSN is not required to register, it amounts to leaving a loophole that gives us the opportunity to do so.

The registration process goes like this. Register at https://privacy.com/ and click on Sign up FREE in the image below.

How to use "Privacy"  a US virtual credit card platform
Sign up FREE

Enter a mailbox and set a password

How to use "Privacy"  a US virtual credit card platform
Enter a mailbox and set a password

After clicking on “Get Started”, Privacy will send an email with the subject “Verify your Privacy.com Account” is the email to the email address used to verify email ownership. Next, enter your personal information.

How to use "Privacy"  a US virtual credit card platform
enter your personal information

Verify U.S. cell phone numbers with Google Voice

How to use "Privacy"  a US virtual credit card platform
Verify U.S. cell phone numbers

Next you need to connect your bank account and need to log into your online banking. The Bank of America I use.

How to use "Privacy"  a US virtual credit card platform
connect your bank account

After selecting Bank of America, you will be presented with the following page.

How to use "Privacy"  a US virtual credit card platform
connect your bank account

Plaid is a platform dedicated to connecting bank accounts and apps. Previously, when adding a US bank account number to Barter Virtual Card and TransferWise, it was also through this Platform Connections.

How to use "Privacy"  a US virtual credit card platform
connect your bank account

Enter your Internet Banking account number and password, and select the Checking account you want to connect to, then the registration is successful. Usually, it opens up in real-time, but I had an accident when I registered and received an email after registering with the subject:” Account under review”. It means that for security reasons, my account needs to be manually reviewed, which usually takes one business day.

How to use "Privacy"  a US virtual credit card platform
connect your bank account

As luck would have it, no additional information was requested and the account was opened one business day later.

Card issuance interface

After logging in, the first thing you will see is your recent spending (Your Account), mouse over “Spend Last 7 Days” and you will see the maximum amount you can spend per week, mouse over “Spent Last 30 Days” and you will see the maximum amount your account can spend per month. I can spend up to $150 per week and $600 per month on my Privacy account. Privacy uses a set of algorithms or a manual review process to determine whether to increase or decrease the amount that can be spent on each account.

How to use "Privacy"  a US virtual credit card platform
Card issuance interface

Since Privacy is primarily geared towards individual users, $600 may be enough to spend for an individual. It doesn’t cost much to buy an app on Google Play, or a song on iTunes, get a Netflix membership, and so on. While Privacy says this amount will be adjusted based on usage, I don’t think it will meet the needs of business users to pay for Facebook ads no matter how it’s adjusted.

Below the “Your Account” button is “My Wallet”, click on the “New” button on the right. Card” to create a virtual card. The process of creating a card is very simple and will not be described in detail.

How to use "Privacy"  a US virtual credit card platform
Card issuance interface
How to use "Privacy"  a US virtual credit card platform
Card issuance interface

Set the card’s nickname and spending limit and click “Create Card”.

How to use "Privacy"  a US virtual credit card platform
Set the card’s nickname and spending limit

Under My Wallet will show all successfully created cards (including those that have been deleted), tap on any card to do the following.

  • Modify the name of the card
  • Set the spending limit
  • Pause or close the card
  • View Spending Details

Frequently Asked Questions

Can I spend it on Amazon?

You can spend at Amazon, but only one card can be opened for Amazon purchases. Privacy prohibits new customers from opening multiple cards to make purchases at Amazon, so if you have special requests, you can email them at support@privacy.com.

Can I customize the billing address?

Yes! This is the only virtual card I’ve encountered so far that allows you to customize your billing address and zip code and can be verified by AVS. When you place a payment order using a custom name and address, Privacy will tell them that the name and address you entered is correct.

Is there a card fee for Privacy?

Currently completely free.

What is the maximum number of virtual cards that can be created at the same time?

I registered in March 2019 and was allowed to open 12 cards per day, up to 36 cards per month. Now it’s become this: there is no limit to the number of cards you can open, it will be based on the usage of each account, you can’t open too many cards at once! Used for the same merchant, this can be considered abuse or fraud.

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