Built to protect your real card, block sketchy charges, and give you control over how and where you spend, Cloaked Pay is a smarter, safer way to spend online – without giving your real card number to every website.

Cloaked Pay is a feature that replaces your real credit card details with a unique, virtual card number for every transaction. This powerful tool acts as a shield, protecting your private financial information from merchants, data breaches, fraudsters, and scammers. By giving you control over where and how your money is spent online, Cloaked Pay provides essential security and peace of mind for online purchases.

Cloaked Pay is designed to solve a major vulnerability of online shopping: the need to share sensitive financial data with many websites. Every time you enter your real credit card number into a website, you create a new opportunity for that information to be exposed.

Cloaked Pay functions as a protective layer between your money and the merchants you pay. It allows you to generate Virtual Cards that are securely linked to any of your personal funding sources behind the scenes, cloaking your underlying payment method. You use these Virtual Card details at checkout, so the merchant never sees or stores your card details. You can create one-time cards for single purchases, or ongoing cards for subscription services.

Cloaked Pay Virtual Cards are built with Mastercard®.
 

Key Benefits

• Data Breach Protection: If a merchant you use a Cloaked card with is hacked, only the disposable card information is exposed, not your actual credit card or bank details.

• Control Over Subscriptions: You can use a unique card for each subscription service. If you want to cancel, you can simply delete the card to stop payments immediately, preventing those hard-to-cancel recurring charges.

• Budgeting and Spending Limits: Every Cloaked card can have its own spending limit, helping you stick to a budget and prevent merchants from charging you more than you've authorized.

• Enhanced Privacy: Using different card numbers for different merchants makes it harder for data brokers and ad networks to track your purchasing behavior across the web.

• Continue Earning Rewards: Using Cloaked Pay doesn't mean you have to miss out on your credit card's rewards. When you link an underlying funding source which earns rewards, you will continue to earn your card's standard base reward rate on every purchase made with a Cloaked Virtual Card.

• Mobile Wallet Compatibility: Add your Cloaked Cards to Apple, Google, Samsung Pay, enabling you to use your Cloaked cards at physical locations where mobile payments are accepted.

• Chrome Extension Compatibility: Use the Cloaked Chrome extension to generate and autofill identity details, including Cloaked Pay card details.
  ​