---
name: privacy-cards-894d0f75e3d9
description: "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."
---

# Privacy Cards

Manage virtual cards via the Privacy.com API.

## Setup

### Getting API Access

1. Sign up for a [Privacy.com](https://privacy.com) account
2. Email **support@privacy.com** 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](references/api.md) for complete field documentation.


---
Source attribution: kbarbel640-del
Original project: https://github.com/kbarbel640-del/skills/blob/e7e336ac628c3e3bd771aff1aaa469c93778f94a/skills/johnielee/privacy-cards/SKILL.md
License: MIT
License information: https://opensource.org/license/mit
Original upstream instructions; downloaded from Mega AI Hub.

## Upstream license notice

MIT License

Copyright (c) 2026 clawdbot

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.



# Mega AI Hub resource metadata

Creator / publisher: kbarbel640-del
Original project: https://github.com/kbarbel640-del/skills/blob/e7e336ac628c3e3bd771aff1aaa469c93778f94a/skills/johnielee/privacy-cards/SKILL.md
Attribution basis: Source repository record

Fields of work: Finance & Accounting
Roles: Accountant, CFO / FP&A, Financial Analyst
Specialties: API
Tools: Privacy.Com
Country applicability: Country not specified
Classification basis: Source catalog labels
Instruction SHA-256: 6a5afacccc061bb486181beac300d34208494f67145c5c2608f428d63e84b1f4