Privacy Cards

Create and manage Privacy.com virtual cards. Use for generating single-use cards, merchant-locked cards, listing cards, setting spending limits, pausing/closing cards, and viewing transactions via the Privacy.com API.

Manage virtual cards via the Privacy.com API.

Setup

Getting API Access

1. Sign up for a Privacy.com account
2. Email [e-mail] to request API access
3. Once approved, you'll receive your API key

Configuration

bash

export PRIVACY_API_KEY="your-api-key"

Environments:

• Production: https://api.privacy.com/v1
• Sandbox: https://sandbox.privacy.com/v1

All requests: Authorization: api-key $PRIVACY_API_KEY

---

Create a Card

bash

curl -s -X POST "https://api.privacy.com/v1/cards" \
  -H "Authorization: api-key $PRIVACY_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "SINGLE_USE",
    "memo": "One-time purchase",
    "spend_limit": 5000,
    "spend_limit_duration": "TRANSACTION"
  }' | jq

Card Types

Type	Behavior
SINGLE_USE	Closes after first transaction
MERCHANT_LOCKED	Locks to first merchant, reusable there
UNLOCKED	Works anywhere (requires issuing access)

Create Parameters

Parameter	Required	Description
type	Yes	SINGLE_USE, MERCHANT_LOCKED, UNLOCKED
memo	No	Label/description
spend_limit	No	Limit in cents
spend_limit_duration	No	TRANSACTION, MONTHLY, ANNUALLY, FOREVER
state	No	OPEN (default) or PAUSED
funding_token	No	Specific funding source UUID

Response

json

{
  "token": "card-uuid",
  "type": "SINGLE_USE",
  "state": "OPEN",
  "memo": "One-time purchase",
  "last_four": "1234",
  "pan": "4111111111111234",
  "cvv": "123",
  "exp_month": "12",
  "exp_year": "2027",
  "spend_limit": 5000,
  "spend_limit_duration": "TRANSACTION",
  "created": "2024-01-15T10:30:00Z"
}

Note: pan, cvv, exp_month, exp_year require enterprise access in production. Always available in sandbox.

---

Lookup Transactions

All transactions for a card

bash

curl -s "https://api.privacy.com/v1/transactions?card_token={card_token}" \
  -H "Authorization: api-key $PRIVACY_API_KEY" | jq

Filter by date range

bash

curl -s "https://api.privacy.com/v1/transactions?card_token={card_token}&begin=2024-01-01&end=2024-01-31" \
  -H "Authorization: api-key $PRIVACY_API_KEY" | jq

Filter by result

bash

# Only approved
curl -s "https://api.privacy.com/v1/transactions?result=APPROVED" \
  -H "Authorization: api-key $PRIVACY_API_KEY" | jq

# Only declined
curl -s "https://api.privacy.com/v1/transactions?result=DECLINED" \
  -H "Authorization: api-key $PRIVACY_API_KEY" | jq

Query Parameters

Parameter	Description
card_token	Filter by card UUID
result	APPROVED or DECLINED
begin	On or after date (YYYY-MM-DD)
end	Before date (YYYY-MM-DD)
page	Page number (default: 1)
page_size	Results per page (1-1000, default: 50)

Transaction Response

json

{
  "token": "txn-uuid",
  "card_token": "card-uuid",
  "amount": -2500,
  "status": "SETTLED",
  "result": "APPROVED",
  "merchant": {
    "descriptor": "NETFLIX.COM",
    "mcc": "4899",
    "city": "LOS GATOS",
    "state": "CA",
    "country": "USA"
  },
  "created": "2024-01-15T14:22:00Z"
}

Transaction Statuses

PENDING → SETTLING → SETTLED

Also: VOIDED, BOUNCED, DECLINED

---

Quick Reference

List all cards

bash

curl -s "https://api.privacy.com/v1/cards" \
  -H "Authorization: api-key $PRIVACY_API_KEY" | jq

Get single card

bash

curl -s "https://api.privacy.com/v1/cards/{card_token}" \
  -H "Authorization: api-key $PRIVACY_API_KEY" | jq

Pause a card

bash

curl -s -X PATCH "https://api.privacy.com/v1/cards/{card_token}" \
  -H "Authorization: api-key $PRIVACY_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"state": "PAUSED"}' | jq

Close a card (permanent)

bash

curl -s -X PATCH "https://api.privacy.com/v1/cards/{card_token}" \
  -H "Authorization: api-key $PRIVACY_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"state": "CLOSED"}' | jq

Update spend limit

bash

curl -s -X PATCH "https://api.privacy.com/v1/cards/{card_token}" \
  -H "Authorization: api-key $PRIVACY_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"spend_limit": 10000, "spend_limit_duration": "MONTHLY"}' | jq

---

Common Decline Reasons

Code	Meaning
CARD_PAUSED	Card is paused
CARD_CLOSED	Card is closed
SINGLE_USE_RECHARGED	Single-use already used
UNAUTHORIZED_MERCHANT	Wrong merchant for locked card
USER_TRANSACTION_LIMIT	Spend limit exceeded
INSUFFICIENT_FUNDS	Funding source issue

See references/api.md for complete field documentation.