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...

Anecdotally, I don't trust Klarna one bit. A few years ago I was making a payment and Klarna directed me to a third party site that wanted my bank credentials. It was at that moment I stopped using Klarna and requested they delete all information they have on me. Apparently, Klarna wanted to see my account activity. I now go out of my way to avoid them. I have a similar issue with PayPal, where connecting a Credit Card requires entering information in a way I'm uncomfortable with.

So for now I'm just using a CC directly. This may not be the best approach, but it feels the least intrusive - for now. I don't know what the optimal solution would be. Maybe when GNU Taler becomes an option...

Picking between the ones you listed it's basically a "pick your poison" situation.

Klarna is definitely extremely sketchy. I've yet to read their terms of services but km not looking forwards to it.

I think all of these companies are sketch in one way or another. You would be better off choosing something like Wise or Revolut as they at least offer disposable credit cards for one time purchases.

Sorry to piggyback. Can anyone talk about their experience with Signal payments using mobilecoin? I, too, like OP, am looking for privacy-oriented options for payment. I just noticed it was a thing, last night, as I was exploring my Signal settings. Might be helpful to others. Dunno anything about it because I haven't tried it. Thanks!

https://support.signal.org/hc/en-us/articles/360057625692-In-app-Payments#payments_which_ones

Edit: I searched for Signal and Mobilecoin on Newpipe and the results are less than favorible. 😬

Gift and prepaid cards are an option too.

Read your credit card agreement. Does it have a number to call, email address or mailing address to post to to opt-out of information sharing of purchase information with 3rd parties? I opted out with my latest card.

Not a solution to all your problems of course, but the only way to buy something and preserve your privacy is to pay cash. Everything else will get your info to someone. Lots of good suggestions for lesser evils here for when you have no choice but to shop online.

I actually went with Revolut as my Bank, using their virtual credit cards for online payment - they offer a virtual one-time CC as well which details reset after each succesfull transaction. Thow way there's at least no 3rd party besides CC provider and my bank snooping on my transactions.

None of them are good or private

Monero

IMO I think most financial institutions can see or acquire a lot of transactional data, so I just pick one bank (who already knows everything I spend) have a credit card with them, and use it. My bank also allows making virtual cards, so I opt for it over privacy.com.