8 top Privacy.com alternatives in 2025

Privacy.com is an online platform that allows anyone to create virtual credit cards for online spending. This allows you to keep your actual credit or debit card information safe, meaning that even if a data breach occurs, your real credit card number won’t be exposed to hackers.

There are other benefits to virtual credit cards too. For example, have you ever had difficulty canceling a monthly service? With a virtual card, you need only cancel the card, and your subscription is over.

But what if Privacy.com isn’t for you? Are there any alternatives? In this article, we’ll list the best Privacy.com alternatives to use for online payments.

Best Privacy.com alternatives for small businesses

Privacy.com isn’t the only virtual card services small business owners can use to spin up virtual cards for one-time use or ongoing payments. Some of the best alternatives include:

Ramp

While Privacy.com focuses on virtual cards for individuals, Ramp offers a more comprehensive solution for virtual cards and expense management. With Ramp, businesses can generate unlimited virtual credit cards while benefiting from features like spend controls, automated expense management, and real-time insights.

The Ramp platform is designed to support companies at every stage, from startups to large enterprises, offering scalability and financial visibility that grows alongside your business. Ramp’s virtual cards provide greater control over employee spending, making it a powerful tool for managing business expenses efficiently.

Powered by Visa, Ramp ensures wide acceptance of its virtual cards and leverages Visa’s robust global network for reliable transactions. Ramp also prioritizes security, with features like customizable spending limits, card freezing capabilities, and real-time monitoring to prevent fraud. This combination of security and scalability makes Ramp an ideal choice for businesses of all sizes, providing the tools needed to manage expenses confidently.

Pros

Like all companies on this list, Ramp allows you to create virtual credit cards, but that’s not what sets it apart. Ramp provides intuitive functionality that provides the answer to some of the biggest financial challenges for small businesses, including:

• Unlimited payment cards: Create unlimited free virtual and physical payment cards. You can set spending limits so employees can’t overdraw funds from your bank account.
• Automatic expense tracking. Automatically track business expenses and create expense reports.
• Financial statements. You can create a balance sheet and other financial reports.
• Analysis. You cananalyze your company’s financial performance.

Best of all, Ramp is free to use. Enjoy free access to unlimited virtual and physical cards, bill payments, insights, and reporting.

Discover Ramp's corporate card for modern finance

Learn more

Cons

Ramp is an impressive offering, but there is one downside to the platform:

• Not available for sole proprietors. The only downside to the Ramp platform is that it’s not available for sole proprietors, which makes access difficult for freelancers. All in all, however, it’s an excellent platform for businesses of any scale.

Skrill

Since its founding in 2001, Skrill has specialized in payment solutions for individuals and small businesses. Like Privacy.com, Skrill lets you create virtual cards for online purchases. The company also offers an intuitive mobile app for iOS and Android that allows you to track spending across all accounts on the go.

Pros

There are several reasons to consider working with Skrill. Some of the most significant advantages of the platform include the following:

• Create virtual cards. You can create virtual cards for online purchases and subscriptions.
• International. Skrill supports international businesses with money transfers to over 40 countries.
• Security. Skrill uses industry-leading security and authentication measures to protect your account.
• Prepaid MasterCard. You can take advantage of a prepaid MasterCard that gives you as much control as virtual card options.

Cons

Skrill has a great offering, but there are some drawbacks to the platform to consider. Those include:

• Reporting. Skrill doesn’t provide reporting on a granular level like you find with Ramp. So, you may need to use another service to build financial reports.
• Costly. Skrill isn’t free. In fact, you’ll pay $2.99 for most incoming business transactions, plus additional fees relating to currency conversions.

Bento

Bento is a debit card-based spending platform for business. The platform lets you create spending accounts for your employees and keep track of spending across your business, including invoice payments and receipt captures.

Pros

There are several reasons to consider signing up for Bento. Some of the substantial advantages of using the platform include the following:

• Track expenses. Bento makes it easy to track expenses across all employee spending accounts with unique card account numbers for each employee.
• Receipt captures. You neverlose track of business receipts again.
• Financial reporting. You can use Bento’s platform to create multiple financial reports, making it easy to analyze your financial performance and find optimization opportunities.

Cons

Bento is a solid offering, but the service isn’t perfect. There are a few downsides you should consider before you sign up:

• No unlimited cards. Bento doesn’t offer unlimited payment card options. Instead, you’ll be able to create cards, and how many, solely based on the monthly fee you agree to pay.
• It’s not free. Bento costs $29 per month for up to 10 spending accounts, $69 for up to 25, or $149 for up to 100 cards. If you need more, you’ll need to call for custom pricing.

Braintree

Braintree is an excellent Privacy.com alternative for businesses. Although the company doesn’t offer virtual credit cards or employee credit cards, you may want to consider working with the platform to protect your customers’ privacy.

Pros

There are several reasons to consider signing up with Braintree. Some of the most impressive features of the platform include the following:

• Accept a wide range of payment types. The platform allows you to accept several private payment options, including Apple Pay, Venmo, Samsung Pay, and PayPal, among several others. Of course, your online users can also pay using their credit cards.
• Accept Global Payments. What makes Braintree unique is the fact that it’s not exclusive to the United States. You can accept payments from the U.S. but also from Australia, Canada, Europe, New Zealand, Malaysia, and Singapore when you use the platform.
• Low Cost. Braintree is inexpensive too. Most companies using the platform pay 2.49% plus a $0.49 transaction fee. Non-profit companies only pay 1.49% plus a $0.49 transaction fee. An additional 1% fee applies to foreign transactions. Moreover, you only pay $0.15 per transaction if you use an American Express account.

Cons

Braintree is a great platform, but it does come with some drawbacks. The most important of which include:

• No custom payment accounts. You can’t create payment accounts for each employee. Instead, Braintree focuses on helping you accept payments.
• No spending tracking. The platform doesn’t offer any tools for tracking spending across your business.

Payoneer

Payoneer is another popular option among business owners that allows you to accept payments while keeping your customers’ privacy at the forefront. The platform, designed as a way for people to make peer-to-peer payments, has quickly grown to become a preferred choice among freelancers and entrepreneurs.

Pros

Some of the sizable advantages of working with Payoneer include these:

• Payoneer payment card. You can request a prepaid Payoneer credit card be attached to your account. When you use the card, the money deducts from your Payoneer balance.
• Virtual spending card. If you maintain a $100 minimum balance in your account for at least six months, you can qualify for a virtual spending account.

Cons

Payoneer is a strong option for sole proprietors but may not fit the bill for companies with multiple employees. Here’s why:

• Only one card. Payoneer doesn’t offer the ability to set up multiple physical or virtual cards. You can only access one of each.
• Pricing. Payoneer also isn’t free. You pay 2% or less to withdraw your money, with the percentage based on your sales volume. However, if you open an account and don’t use it for 12 months, you’ll have to pay a fee of $29.95. Also, it costs $12.95 to order your Payoneer credit card.

Consider Ramp's Business Credit Card as an alternative

Ramp is an all-in-one business credit card and expense management platform. With Ramp, you can create and assign unlimited virtual and physical employee cards with custom spending limits. Our cards have no annual fees, no interest rate, and no foreign transaction fees.

See a demo to learn more about how Ramp can help your business save time and money.