About Us

About GhostCard

GhostCard is a privacy-first virtual card platform that lets you spend online without leaving a permanent data trail. It acts as a secure middle layer between your bank and the places you shop, breaking the link so that your spending history can’t be used to build profiles on you. We don't share your purchases with advertisers, banks or Big Tech platforms – and we never will. In short, GhostCard gives you a cash-like way to pay digitally: convenient and accepted everywhere, but without handing over your personal financial details each time you click "Buy".

Why GhostCard Exists

Today, even the smallest purchase leaves a detailed trail of personal data. Every time you buy something, you hand over more than money – you hand over a trail of your card number, name, billing address and buying habits. Those details often get stored in places you've never heard of, passed between companies, and bundled into consumer profiles that follow you around long after the purchase. We’ve all seen how frequently this data gets shared, analysed, and sometimes leaked in breaches. (For example, a 2024 breach at a payment provider exposed the full credit card details of 1.7 million customers in one stroke). The strange part is, this level of surveillance has become normal – most of us never explicitly agreed to it, we just learned to live with it.

GhostCard exists because we believe there’s a better way. Buying something online should not cost you your privacy. We built GhostCard for people who feel it’s unfair that “everything is logged and followed” in modern payments. Instead of accepting that “it’s only a matter of time until the next data breach” when using your actual card, you should be able to make a purchase without wondering who is watching or selling that information. GhostCard offers an alternative for those who want to opt out of the constant monitoring every time they press “Pay Now.”

How GhostCard Works

GhostCard makes online payments feel as private and discreet as paying with cash, while still using the familiar card system. Here’s how it works:

Virtual Burner Cards

Through our app, you instantly generate a new virtual card (a 16-digit card number with CVV and expiry) for your purchase. Think of it as a temporary “burner” card. You can create as many as you need. Use a GhostCard for one website or one specific transaction, and then freeze or delete it when you’re done. This means no long-term trail tied to your identity – the card can’t be reused by anyone else once you close it. Merchants only see a disposable card number, not your real credit/debit card info.

Virtual Burner Cards

Through our app, you instantly generate a new virtual card (a 16-digit card number with CVV and expiry) for your purchase. Think of it as a temporary “burner” card. You can create as many as you need. Use a GhostCard for one website or one specific transaction, and then freeze or delete it when you’re done. This means no long-term trail tied to your identity – the card can’t be reused by anyone else once you close it. Merchants only see a disposable card number, not your real credit/debit card info.

Virtual Burner Cards

Through our app, you instantly generate a new virtual card (a 16-digit card number with CVV and expiry) for your purchase. Think of it as a temporary “burner” card. You can create as many as you need. Use a GhostCard for one website or one specific transaction, and then freeze or delete it when you’re done. This means no long-term trail tied to your identity – the card can’t be reused by anyone else once you close it. Merchants only see a disposable card number, not your real credit/debit card info.

Breaks the Link to Your Bank

When you pay with GhostCard, your bank never sees the details of what you bought or who you bought it from. They only see that you topped up your GhostCard account (or made a payment to GhostCard) – not the end merchant. GhostCard sits between your bank and the merchant, so the shop doesn’t appear on your bank statement. Likewise, the merchant and its payment processors see GhostCard’s details, not yours. This two-layer system keeps your real identity and primary account far removed from the transaction.

Breaks the Link to Your Bank

When you pay with GhostCard, your bank never sees the details of what you bought or who you bought it from. They only see that you topped up your GhostCard account (or made a payment to GhostCard) – not the end merchant. GhostCard sits between your bank and the merchant, so the shop doesn’t appear on your bank statement. Likewise, the merchant and its payment processors see GhostCard’s details, not yours. This two-layer system keeps your real identity and primary account far removed from the transaction.

Breaks the Link to Your Bank

When you pay with GhostCard, your bank never sees the details of what you bought or who you bought it from. They only see that you topped up your GhostCard account (or made a payment to GhostCard) – not the end merchant. GhostCard sits between your bank and the merchant, so the shop doesn’t appear on your bank statement. Likewise, the merchant and its payment processors see GhostCard’s details, not yours. This two-layer system keeps your real identity and primary account far removed from the transaction.

Pre-Funded & Controlled by You

GhostCard is a prepaid/debit-based service, not a credit line. You can top up your GhostCard wallet or link a funding source in advance. This means you’re in control of the spending limit. Even if a GhostCard number were compromised, a thief cannot drain your main bank account – the card only draws from the funds or limits you've set. By isolating each transaction to its own mini-card with a preset limit, GhostCard greatly reduces the damage a data leak can do.

Pre-Funded & Controlled by You

GhostCard is a prepaid/debit-based service, not a credit line. You can top up your GhostCard wallet or link a funding source in advance. This means you’re in control of the spending limit. Even if a GhostCard number were compromised, a thief cannot drain your main bank account – the card only draws from the funds or limits you've set. By isolating each transaction to its own mini-card with a preset limit, GhostCard greatly reduces the damage a data leak can do.

Pre-Funded & Controlled by You

GhostCard is a prepaid/debit-based service, not a credit line. You can top up your GhostCard wallet or link a funding source in advance. This means you’re in control of the spending limit. Even if a GhostCard number were compromised, a thief cannot drain your main bank account – the card only draws from the funds or limits you've set. By isolating each transaction to its own mini-card with a preset limit, GhostCard greatly reduces the damage a data leak can do.

Flexible, Cash-Like Usage

ou can use GhostCard anywhere online that accepts standard card payments. It works for subscriptions, one-off purchases, free trial signups, e-commerce – you name it – just like any normal Visa/Mastercard would. The difference is you remain in full control: you can pause a card between purchases, set it to auto-expire, or delete it on demand. If a merchant tries to charge you unexpectedly, the charge will fail on a deleted or paused card, putting you back in control of subscriptions and repeat charges instead of at the mercy of the merchant.

Flexible, Cash-Like Usage

ou can use GhostCard anywhere online that accepts standard card payments. It works for subscriptions, one-off purchases, free trial signups, e-commerce – you name it – just like any normal Visa/Mastercard would. The difference is you remain in full control: you can pause a card between purchases, set it to auto-expire, or delete it on demand. If a merchant tries to charge you unexpectedly, the charge will fail on a deleted or paused card, putting you back in control of subscriptions and repeat charges instead of at the mercy of the merchant.

Flexible, Cash-Like Usage

ou can use GhostCard anywhere online that accepts standard card payments. It works for subscriptions, one-off purchases, free trial signups, e-commerce – you name it – just like any normal Visa/Mastercard would. The difference is you remain in full control: you can pause a card between purchases, set it to auto-expire, or delete it on demand. If a merchant tries to charge you unexpectedly, the charge will fail on a deleted or paused card, putting you back in control of subscriptions and repeat charges instead of at the mercy of the merchant.

Where we are (and how to join)

GhostCard is currently in its early stages, and we’re hard at work refining the product and expanding our capabilities. We are already partnering with regulated payment providers and focusing on a clean, user-friendly experience. Our team might be small, but we’re building GhostCard step by step, with a privacy-by-design mindset from day one.

We’re not doing this alone – we want a community of early adopters to help shape GhostCard as we develop it. If our mission resonates with you, we invite you to join our waitlist and be among the first to try a more private way to pay online. Early members will get to provide feedback, suggest features, and truly influence the direction of the product. Plus, as a thank-you for believing in GhostCard, the first 1,000 people who join the waitlist will receive a £5 preloaded bonus on their GhostCard when we launch (terms and conditions apply).

Joining is simple – sign up for the waitlist (it’s free). By joining now, you’ll get early access to GhostCard and all its privacy features as soon as they’re ready. More importantly, you’ll be helping build a future of payments that respect your privacy by default.

FAQs

FAQs

FAQs

We’ve Got the Answers You’re Looking For

Below you can find our F&Qs

How does it work?

Do I need to verify my identity?

What makes it different from Revolut, Monzo, or Apple Pay?

Is GhostCard a real bank account?

Can I use it on any website?

Is it safe?

Who is GhostCard for?

When can I sign up?

More questions?

How does it work?

Do I need to verify my identity?

What makes it different from Revolut, Monzo, or Apple Pay?

Is GhostCard a real bank account?

Can I use it on any website?

Is it safe?

Who is GhostCard for?

When can I sign up?

More questions?

How does it work?

Do I need to verify my identity?

What makes it different from Revolut, Monzo, or Apple Pay?

Is GhostCard a real bank account?

Can I use it on any website?

Is it safe?

Who is GhostCard for?

When can I sign up?

More questions?

Ghost your advertisers through private payments.

Be one of the first 1,000 to join and get a £5 preloaded GhostCard after launch. Subject to Terms and Conditions.

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© All rights reserved