this post was submitted on 19 Mar 2025
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Privacy

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Hi, nowadays a lot of places online only accept payment via one of the three options mentioned. Privacy wise, which is my best option? My thread model is mainly based on surveillance capitalism.

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[–] [email protected] 20 points 1 week ago* (last edited 1 week ago) (6 children)

Privacy.com.

I've been using their service for years and I advocate it whenever I can. You link their service to a bank account and then generate throw away credit card numbers which one used deduct the balance directly from your checking account.

You can set spending limits on the virtual cards, you can make them one time use only, and you can make them lock themselves to a vendor so even if someone steals that credit card number they can't use it.

I very highly recommend using their service to protect yourself using online payment systems.

As far as obfuscating your purchase history, that's kind of part of the territory. That information will always be available to your banking institution and if so facto, the government...

[–] [email protected] 1 points 5 days ago (1 children)

I would use this more if I could use a credit card instead of a bank account. How easy are chargebacks on privacy? Ease of chargebacks is a major reason I use cc over debit (also points, which I think using privacy might affect).

[–] [email protected] 1 points 5 days ago
  1. There are no "charge backs," it's not a credit card.
  2. You can dispute any transaction, that's US federal law

As for the "ease" I have no idea. I've never needed to do it. If you need the consumer protections to feel safe, then just use your credit card.

[–] [email protected] 20 points 1 week ago (1 children)

unfortunately they are only available in the US

[–] [email protected] 1 points 1 week ago (1 children)

Which jurisdictions are you looking to support this?

[–] [email protected] 7 points 1 week ago (1 children)
[–] [email protected] 3 points 1 week ago

Speech to text. 🤷‍♂️

[–] [email protected] 3 points 1 week ago (1 children)

I've used them and had a lot of trouble getting their cards to be accepted by online merchants

[–] [email protected] 1 points 1 week ago

Because of US financial laws the virtual card numbers are prefixed as prepaid cards. So in certain situations you're going to have friction where the merchant you're dealing with isn't able to, or can't use prepaid cards.

[–] [email protected] 1 points 1 week ago (1 children)

They require an amount of personal info that I don't really want a company to have.

[–] [email protected] -1 points 1 week ago (1 children)

You understand that you have the freedom to....not use their services, right?

[–] [email protected] 1 points 1 week ago* (last edited 1 week ago)

Yep, that is what I did. It just seems ironic that a company that sells the service of protecting your privacy wants to violate your privacy in order to do it.