Hi, nowadays a lot of places online only accept payment via one of the three options mentioned. Privacy wise, which is my best option? My thread model is mainly based on surveillance capitalism.

  • Xanza@lemm.eeEnglish
    21·
    9 months ago

    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…

      • Xanza@lemm.eeEnglish
        2·
        9 months ago

        Because of US financial laws the virtual card numbers are prefixed as prepaid cards. So in certain situations you’re going to have friction where the merchant you’re dealing with isn’t able to, or can’t use prepaid cards.

    • darkknight@discuss.online
      1·
      9 months ago

      I would use this more if I could use a credit card instead of a bank account. How easy are chargebacks on privacy? Ease of chargebacks is a major reason I use cc over debit (also points, which I think using privacy might affect).

      • Xanza@lemm.eeEnglish
        1·
        9 months ago
        1. There are no “charge backs,” it’s not a credit card.
        2. You can dispute any transaction, that’s US federal law

        As for the “ease” I have no idea. I’ve never needed to do it. If you need the consumer protections to feel safe, then just use your credit card.

      • Xanza@lemm.eeEnglish
        1·
        9 months ago

        You understand that you have the freedom to…not use their services, right?

        • swelter_spark@reddthat.comEnglish
          2·
          9 months ago

          Yep, that is what I did. It just seems ironic that a company that sells the service of protecting your privacy wants to violate your privacy in order to do it.