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Cloaked Pay • Coming soon

Your Financial Data. Your Rules.

What happens on this card stays on this card

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Cloaked Pay

Experience complete peace of mind at checkout

Consider all the purchases you make online - each one presents a potential risk of exposing your credit card information to hackers. In 2024 alone, Americans lost $12.5 Billion to financial fraud. By using a virtual card number, your real account details remain secure, ensuring they never fall into the wrong hands.

Cloaked Pay

Add a layer of protection against fraud

With a Cloaked Card, your real card number stays hidden. If it's ever stolen or exposed in a breach, your actual account remains secure.

Added layer of protection
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Cloaked Pay

Take control of your spending

Stay on top of your finances with real-time transaction tracking and instant notifications every time Cloaked Pay is used. Set spend limits on each card from the start - so you never go over budget. Subscriptions piling up? Just delete the Cloaked card or remove its assigned budget, and payments stop automatically. No calls, no emails, no drama.

Cloaked Pay is flexible. Set it up your way.
Debit-card

Add Debit card

Credit card

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bank account

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When should you use virtual cards?

For maximum security, consider using a Cloaked Pay virtual card for every online payment. A virtual card adds an extra layer of protection to your transactions, ensuring your sensitive financial information stays safe from hackers and fraudsters. Here are some key scenarios where a Cloaked Pay virtual card is particularly beneficial.

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New Merchant
Subscription
Recurring Payments
Managing Budget
New-Merchant

When purchasing from a new merchant

Shopping on a website you haven’t used before or aren’t entirely sure you can trust? Generate a single-use Cloaked Pay card that automatically closes after the transaction. If the merchant turns out to be fraudulent, our support team will handle the case for you.
Subscription

When signing up for subscriptions & free trials

Start a new subscription or free trial with confidence by using a Cloaked Pay virtual card. If you forget to cancel, there’s no need to worry - we’ll automatically decline any unwanted charges based on how you set up the card.
Recurring Payments

When storing your card for recurring payments

Cloaked Cards automatically lock to the first merchant they’re used with and cannot be used elsewhere if stolen. In case of a data breach, you can easily pause or close your Privacy Card at any time without affecting your other payment methods.
Managing Budget

When managing your budget

Set and customize spending limits with Cloaked Pay, and we’ll decline any transactions that exceed your specified amount, helping you stay on budget. Plus, you can monitor all your transactions in real time through a user-friendly dashboard on both desktop and mobile devices.
New-Merchant
New Merchant

When purchasing from a new merchant

Shopping on a website you haven’t used before or aren’t entirely sure you can trust? Generate a single-use Cloaked Pay card that automatically closes after the transaction. If the merchant turns out to be fraudulent, our support team will handle the case for you.
Subscription
Subscription

When signing up for subscriptions & free trials

Start a new subscription or free trial with confidence by using a Cloaked Pay virtual card. If you forget to cancel, there’s no need to worry - we’ll automatically decline any unwanted charges based on how you set up the card.
Recurring Payments
Recurring Payments

When storing your card for recurring payments

Cloaked Cards automatically lock to the first merchant they’re used with and cannot be used elsewhere if stolen. In case of a data breach, you can easily pause or close your Privacy Card at any time without affecting your other payment methods.
Managing Budget
Managing budget

When managing your budget

Set and customize spending limits with Cloaked Pay, and we’ll decline any transactions that exceed your specified amount, helping you stay on budget. Plus, you can monitor all your transactions in real time through a user-friendly dashboard on both desktop and mobile devices.

With Cloaked Pay vs
Without Cloaked Pay

Standard Card
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Safe even if the merchant is breached
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Unique card per merchant
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Lock spend to one merchant
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Set spending limits per card
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Card auto-expires
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Freeze just one card instantly
Cloaked Pay
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Your real info is never exposed
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Link your card to an identity
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Control who you spend with
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Control how much you can spend
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Close after one use
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One-click control
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How to Get Started with Cloaked Pay Virtual Cards

Sign up
Step 1
Create your account and click on Virtual Cards in the Pay section.
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Step 2
Click New Master Card to create your new card.
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Step 3
Set the card value, write short note and click Create Master Card.
Get Started

FAQ

Learn more about Cloaked Pay

View all questions
What is Cloaked Pay?
How does Cloaked Pay protect my information?
Are Cloaked Pay cards only for one-time use?
Can I apply for Cloaked Pay?
Check the help center or email us at [email protected]
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© Cloaked, Inc. 2025 - All rights reserved. Currently available in 🇺🇸 and 🇨🇦. Please email [email protected] to opt out of the data exposure scan.
At Cloaked, we believe the best way to protect your personal information is to keep it private before it ever gets out. That’s why we help you remove your data from people-search sites that expose your home address, phone number, SSN, and other personal details. And to keep your info private going forward, Cloaked lets you create unique, secure emails and phone numbers with one click - so you sign up for new experiences without giving away your real info. With Cloaked, your privacy isn’t a setting - it’s the default. Take back control of your personal data with thousands of Cloaked users.
*Disclaimer: You agree not to use any aspect of the Cloaked Services for FCRA purposes.