1Password today announced a new partnership with Privacy.com, allowing users to make safer payments online by creating virtual cards that are unique to each of your online accounts.

1password privacy cards
1Password users can do this in their browser, and soon the feature will launch as a Safari extension. Each virtual card is locked to a particular merchant, and can only be used for that site or service. This way, if the card details are ever exposed in a data breach, it can't be used elsewhere.

When asked to enter a card number for an account like Netflix or Hulu, 1Password will present an option to create a virtual card instead. The virtual card will funnel payments from an existing credit or debit card, or banking account.


Users can set spending limits, set it as a one-off payment or monthly/yearly payment, and more. The card can be saved in 1Password for easy access, and when you go to enter payment again, 1Password will prompt users with their existing virtual cards.

The feature is limited to users in the United States for now. 1Password is also running a promo that takes 25 percent off your first year of 1Password -- including Business, Teams, and Families -- for a limited time.

Note: MacRumors is an affiliate partner with 1Password. When you click a link and make a purchase, we may receive a small payment, which helps us keep the site running.

Top Rated Comments

- rob - Avatar
26 months ago
This should be offered by the card companies themselves.
Score: 22 Votes (Like | Disagree)
ispcolohost Avatar
26 months ago

One of my credit cards offered this about 10 years ago, then stopped offering the feature without explanation. Honestly, I’ve missed it ever since — no idea why it was discontinued.
I can tell you why card issuers stopped doing this; nearly every step of the payment path makes money on fraud, so their intent is to make it sound like they want to stop fraud, while really wanting it to continue. They also derive no financial benefit from the overhead of developing and supporting a one time card technology; i.e. doesn't help the bottom line or stock price if their customers are getting ripped off.

Here's how it works. Criminal obtains a stolen card and places an order on website XYZ. That website uses a payment processor, who is responsible for taking the card from website software to payment network, and possibly doing things like address validation, CVV check, etc. They charge a transaction fee for this, perhaps 5 to 25 cents depending on volume. Maybe the website owner has some add-on services like "anti-fraud" filters, which add an additional few cents to the transaction fee. Typically, if the transaction had been declined because it was a one time use credit card that was no longer valid, the fee would not be assessed. So, first entity involved would lose money by stopping fraud.

Moving on; fraudulent charge is allowed to go through. Now the payment network gets a taste; this would be larger behind the scenes entities. They'll make a small percentage on the transaction.

Finally, the business owner's merchant account, the card issuer, and Visa/MC all get their taste. You'll typically pay the largest of the fees to your merchant account, the one who's handling the actual moving of money. They'll take a couple percent; perhaps less than 2% for a large company, or as much as 2.7-4% as a small biz. Now, if the shopper used a rewards card, the card issuer and Visa/MC tack on some additional basis points, because rewards aren't free, the sellers actually pay for your rewards by way of higher fees they can't escape, since they aren't allowed to not accept rewards cards.

Merchant now ships your product if it goes out the door before the cardholder realizes their card has been used. Card holder later realizes the fraud has occurred, disputes the charge.

Here's where it gets even better. The merchant account provider + Visa/MC charge the merchant a fee for the privilege of having been ripped off and having a chargeback. They will immediately deduct the disputed amount from the merchant's account, hit them with a $10-20 or even $30 chargeback fee, and ask for documentation proving the cardholder agreed to the charge, which is of course impossible with internet transactions unless you did some kind of really expensive identity validation where that third party validates and guarantees the identity. So now you've lost your merchandise, you've been charged a fee for getting ripped off, and on top of all that, they still keep the transaction fees. In some cases, they may even keep some portion of the merchant account percentage fee, for money they've taken back; the smaller the business, the less leverage they have over this racket.

There is an exception to the above; Amex doesn't charge the chargeback fee, nor do they typically take the money away during the dispute. They open an 'inquiry' and you only lose the money when you can't demonstrate the cardholder agreed to the charge, but no fee is assessed. Why? Because they charge much higher transaction fees, which is why most businesses hate to accept Amex, but begrudgingly do because it's better than turning away the business. You'll still get hit with the validation and address check fees though, via the party connecting your web store to your Amex merchant account.

I think the only reason Capital One still offers their Chrome browser plugin solution for this is because they realized some people actually care about fraud and perhaps it gives them a competitive advantage given every other card issuer has abandoned the technology. I used to use both BofA and Amex for this but they stopped doing it 5+ years ago, maybe even ten. I ultimately lost access to the Cap One solution because it was tied to my Savor card (restaurant benefits), and given I haven't dined out in six months thanks to covid, when I called to convert to the no-fee version of the card and they said no, I closed the account.
Score: 12 Votes (Like | Disagree)
mannyvel Avatar
26 months ago
Been using privacy.com for years. It's pretty handy for auto-terminating subscriptions, since you can set an amount and/or time limit on a virtual card.
Score: 5 Votes (Like | Disagree)
incoherent_1 Avatar
26 months ago
One of my credit cards offered this about 10 years ago, then stopped offering the feature without explanation. Honestly, I’ve missed it ever since — no idea why it was discontinued.
Score: 4 Votes (Like | Disagree)
hansenc Avatar
26 months ago
My only options within privacy.com is debt or bank account, no credit card. Like the idea but I also like my points...
Score: 4 Votes (Like | Disagree)
thisismyusername Avatar
26 months ago

To anyone that's used both, how does 1password compare to Lastpass ? Better ?
I've gone back and forth a couple times between the two and used each one for at least a year at a time. While there are differences between the two, they both offer the same basic service and I trust each one equally. One big difference is LastPass has a free option where 1Password doesn't. Aside from price, it more comes down to personal preference. There are quite a number of reviews online that compare the two so I suggest googling for those if you want to know specifically what's different between the two.

I currently use 1Password and plan to stick with it. The reasons I switched back is because I prefer their UI and 1Password can be used as a 2FA authenticator for your sites that support 2FA (not sure if Lastpass has added that). The latter makes it really easy to log into sites that use 2FA (e.g. I don't have to go get my phone and open up some authenticator app when I'm trying to log into one of my sites on my computer).


My only options within privacy.com is debt or bank account, no credit card. Like the idea but I also like my points...
Well, that kills privacy.com for me. No way I'm giving up my points.
Score: 4 Votes (Like | Disagree)

Related Stories

safari icon blue banner

Safari Will No Longer Save Passwords Without Usernames in iOS 15.4

Wednesday February 16, 2022 10:06 am PST by
In the iOS 15.4, iPadOS 15.4, and macOS Monterey 12.3 betas, Apple has added a minor quality of life improvement to the way Safari saves passwords. At the current time, Safari will gladly save a password without a username, which can lead to confusion later, but that's no longer the case in the beta updates. When you are prompted to save a password to iCloud Keychain in iOS 15.4, iPadOS...
2021 MBP SD Card Error Feature

Some SD Cards Not Working Properly With 2021 14 and 16-Inch MacBook Pros

Monday December 6, 2021 2:02 pm PST by
The SD card reader slot on the new 14 and 16-inch MacBook Pro models is not functioning as expected with some SD cards, according to multiple reports on the MacRumors forums. In a long complaint thread, MacRumors readers have detailed the issues that they're having with some SD cards, and there seems to be little consistency between reports and affected SD cards. Some SD cards crash and...
flexibits holiday

MacRumors Exclusive: Get 50% Off Your First Year of Flexibits Premium for Fantastical and Cardhop

Tuesday December 21, 2021 6:57 am PST by
MacRumors and Flexibits have partnered up this week, offering our readers a chance to take 50 percent off their first year of Flexibits Premium, which includes popular apps Fantastical and Cardhop. This offer will run through December 31 on the Flexibits website, and the subscription supports apps across macOS, iOS, and iPadOS. Note: MacRumors is an affiliate partner with Flexibits. When you...
AirPods 3 Feature Red

Deals: AirPods 3 Drop to $144.99 ($34 Off)

Friday March 4, 2022 8:48 am PST by
Woot today has Apple's AirPods 3 in new condition for $144.99, down from $179.00. This sale will last for another twelve days, but it could end sooner if stock runs out. Note: MacRumors is an affiliate partner with Woot. When you click a link and make a purchase, we may receive a small payment, which helps us keep the site running. This is a second-best price on the AirPods 3, coming in...
2021 Exclusive Apple Accessories Deals 1PAssword

MacRumors Exclusive: Take 50% Off Your First Year of 1Password Families

Wednesday December 15, 2021 6:30 am PST by
Last week, we introduced a collection of exclusive sales with the aim of helping any last-minute shoppers during the holiday season. One of the exclusives that remains ongoing throughout the entire month of December is our partnership with 1Password, allowing new customers to get 50 percent off their first year of 1Password Families. Note: MacRumors is an affiliate partner with 1Password. When ...
tap to pay iphone feature

iOS 15.4 Beta 2 Adds 'Tap to Pay on iPhone' Framework

Tuesday February 8, 2022 10:51 am PST by
The second beta of iOS 15.4 adds code for the new "Tap to Pay" feature that Apple announced this morning. "Tap to Pay on iPhone" is designed to allow NFC-compatible iPhones to accept payments through Apple Pay, contactless credit and debit cards, and other digital wallets, without requiring additional hardware. Tap to Pay on iPhone is enabled in the latest beta, but it does require...
MAsk On Face ID iOS 15

Everything New in iOS 15.4 and iPadOS 15.4: Face ID With a Mask, Emojis, Apple Card Widget, Universal Control and More

Thursday January 27, 2022 12:08 pm PST by
Apple is working on new iOS 15.4 and iPadOS 15.4 updates for the iPhone and the iPad, adding a slew of new features to the latest iOS operating systems. iOS 15.4 is the biggest update that we've had to iOS 15 to date, and it brings Universal Control, Face ID with a mask, new emojis, and tons more. Subscribe to the MacRumors YouTube channel for more videos. Face ID With a Mask With iOS 15.4,...
password hide security recommendation ios 15 4

iOS 15.4 Beta Adds Option to Hide iCloud Keychain Security Recommendations

Tuesday February 1, 2022 9:59 am PST by
For iCloud Keychain passwords, Apple has long offered security recommendations for weak, compromised, or repeated passwords that need updating for maximum protection, but in some situations, you might have passwords that you can't change and annoying alerts you can't get rid of. That's changing in iOS 15.4, which is currently in beta testing. In the iOS 15.4 update, any security...

Popular Stories

apple watch ultra hammer test

YouTuber Tests Apple Watch Ultra Durability With a Hammer: Table Breaks Before the Watch

Sunday September 25, 2022 2:27 pm PDT by
A YouTuber has put Apple's claims for the durability of the Apple Watch Ultra to the test by putting it up against a drop test, a jar of nails, and repeated hits with a hammer to test the sapphire crystal protecting the display. TechRax, a channel popular for testing the durability of products, first tested the Apple Watch Ultra by dropping it from around four feet high. The Apple Watch...
tim cook spring loaded event

Six Major Products to Expect From Apple in 2023

Sunday September 25, 2022 10:57 am PDT by
As we approach the end of a busy product release season for Apple with only new iPads and Macs left to be announced over the next month or so, we're also setting our sights on 2023. Apple is rumored to have several major products in the pipeline for next year, including new Macs, a new HomePod, a VR/AR headset, and so much more. Other than new iPhones and Apple Watches, which are expected...
apple watch ultra deuglify 1

Apple Watch Ultra User Mods Titanium Casing to 'Deuglify' Design

Tuesday September 27, 2022 8:05 am PDT by
An Apple Watch Ultra user has modified their new device's casing to add a brushed finish and remove the orange color of the Action Button in an effort to make it more visually appealing. The Apple Watch Ultra offers the first complete redesign of the Apple Watch since the product line's announcement in 2014, and while the design has been met with praise from many users, some have criticized...
General iOS 16 Feature Yellow

Some iOS 16 Users Continue to Face Unaddressed Bugs and Battery Drain Two Weeks After Launch

Monday September 26, 2022 7:34 am PDT by
Today marks exactly two weeks since Apple released iOS 16 to the public. Besides the personalized Lock Screen, major changes in Messages, and new features in Maps, the update has also seen its fair share of bugs, performance problems, battery drain, and more. After major iOS updates, it's normal for some users to report having issues with the new update, but such reports usually subside in...
iPhone 14 Pro Sports Scores Dynamic Island

iPhone 14 Pro Features Live Sports Scores in Dynamic Island on iOS 16.1

Monday September 26, 2022 7:52 am PDT by
Earlier this month, Apple announced that iOS 16.1 will enable a new Live Activities feature that allows iPhone users to stay on top of things that are happening in real time, such as a sports game or a food delivery order, right from the Lock Screen. On the iPhone 14 Pro and Pro Max, Live Activities also integrate with the Dynamic Island. Premier League match in Dynamic Island via Paul Bradford ...
iPhone 14 Pros in Hand Black Background Feature

Verizon iPhone 14 Pro Customers Reporting Cellular Connection Issues

Monday September 26, 2022 6:23 am PDT by
iPhone 14 Pro customers on the Verizon network in the U.S. are reporting issues with slow and unreliable 5G cellular connections and calls randomly dropping. Several threads on Reddit (1,2,3) and the MacRumors forums chronicle issues faced by Verizon customers and Apple's latest iPhone. According to user reports, signal strength on the iPhone 14 Pro is unreliable and weak, while other...
Tim Cook Apple Event

Gurman: New iPads and Macs May Be Announced Through Press Releases, No October Event

Sunday September 25, 2022 6:50 am PDT by
Apple may decide to release its remaining products for 2022, which include updated iPad Pro, Mac mini, and 14-inch and 16-inch MacBook Pro models, through press releases on its website rather than a digital event, according to Bloomberg's Mark Gurman. In his latest Power On newsletter, Gurman said that Apple is currently "likely to release its remaining 2022 products via press releases,...
Stage Manager Extension Thumb 1

New iPadOS 16.1 Beta Expands Stage Manager to Older iPad Pro Models, Delays External Display Support

Tuesday September 27, 2022 10:24 am PDT by
The most recent beta of iPadOS 16.1 expands the controversial Stage Manager feature to older iPads, allowing it to work with iPad Pro models that have an A12X or A12Z chip, according to information Apple provided to Engadget. The beta also removes the external display support from Stage Manager for the current time, with the feature set to return in a later iPadOS 16 update. Apple's...
iOS 16

Everything New in the Latest iOS 16.1 and iPadOS 16.1 Betas: Stage Manager Expansion, Wallpaper Tweaks and More

Tuesday September 27, 2022 11:36 am PDT by
Apple today released new betas of iOS 16.1 and iPadOS 16.1 to developers, tweaking some of the functionality that's been introduced in prior betas and in the case of iPadOS 16.1, adding a major new feature to Stage Manager. We've rounded up everything new in both betas below. Wallpaper Updates Apple has updated the Wallpaper section of the Settings app to allow users to swap between...
john meyer ultra

Apple Watch Ultra Praised by Watch World Tastemaker John Mayer

Monday September 26, 2022 4:42 am PDT by
Apple Watch Ultra has been endorsed by American musician and famous watch collector John Mayer, who has been showing off the new device on his Instagram account. "Been wearing the Apple Watch Ultra for a week... and it's great," writes Mayer over a photo of the watch. "The first Apple Watch that excited me as a mechanical watch collector." "It's loaded with capability and what I call...