MCP Server

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You are responsible for all financial activity on your Privacy.com account, inclusive of API, CLI or MCP activity.

Authentication

The Privacy MCP server uses OAuth. The first time you use a Privacy tool, your MCP client will open a browser window where you'll sign in to your Privacy account and authorize access.

Some clients (like Cursor) don't support MCP OAuth and require an API key instead. You can generate one at app.privacy.com/api. The setup instructions below will note when an API key is needed.

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You must be subscribed to a paid Privacy Plan in order to access the Privacy API. You can upgrade your account at app.privacy.com/subscriptions .

Setup by AI Platform

Claude | Cursor | OpenClaw | ChatGPT | Codex

Claude

Claude Code

Add it using the Claude Code CLI:

claude mcp add --transport http privacy-mcp https://mcp.privacy.com

Or add it your project's .mcp.json file:

{
  "mcpServers": {
    "privacy-mcp": {
      "url": "https://mcp.privacy.com"
    }
  }
}

Claude Desktop

Privacy.com is available as an approved connector with Claude: https://claude.com/connectors/privacy.

To add the Privacy connector to your Claude Desktop app:

Click on "Customize" in the sidebar → select "Connectors" → click on the "Add" button

From there, you can search for Privacy.com and complete the connection.

Cursor

Add the Privacy MCP server to your Cursor configuration.

Open Settings → Cursor Settings → Tools & MCP → Add Custom MCP:

{
  "mcpServers": {
      "privacy-mcp": {
        "url": "https://mcp.privacy.com",
        "env": {
          "PRIVACY_API_KEY": "<YOUR_PRIVACY_API_KEY>"
      }
    }
  }
}

OpenClaw

Configure via the OpenClaw config file:

{
  "mcpServers": {
    "privacy-mcp": {
      "url": "https://mcp.privacy.com"
    }
  }
}

ChatGPT

Requires enabling Developer Mode
Go to Settings → Apps → Create App
Select MCP Server and enter https://mcp.privacy.com
Select OAuth. When prompted, approve ChatGPT to access your Privacy account.

Codex

Add it using the Codex CLI:

codex mcp add privacy --url "https://mcp.privacy.com"

Other MCP Clients

Any MCP-compatible client can connect using the server URL: https://mcp.privacy.com

If your client supports MCP OAuth, authentication will be handled automatically on first use. If not, generate an API key at app.privacy.com/api and pass it as the PRIVACY_API_KEY environment variable.

Available Tools

Tool	Description	Parameters
`list_cards`	List all cards with pagination	`page?` (integer, 1-indexed), `page_size?` (1–100, default 20)
`create_card`	Create a new virtual card	`type` (SINGLE_USE, MERCHANT_LOCKED, UNLOCKED), `memo?` (string), `spend_limit?` (number in dollars), `spend_limit_duration?` (TRANSACTION, MONTHLY, ANNUALLY, FOREVER), `state?` (OPEN, PAUSED, CLOSED)
`get_card`	Get details for a specific card	`card_token` (string)
`get_pan`	Retrieve full card number, CVV, and expiration	`card_token` (string)
`pause_card`	Temporarily pause a card	`card_token` (string)
`unpause_card`	Reactivate a paused card	`card_token` (string)
`close_card`	Permanently close a card	`card_token` (string)
`update_card_memo`	Update a card's friendly name	`card_token` (string), `memo` (string)
`update_card_spend_limit`	Update a card's spend limit	`card_token` (string), `spend_limit` (number), `spend_limit_duration?` (TRANSACTION, MONTHLY, ANNUALLY, FOREVER)
`list_transactions`	List transactions with filters	`card_token?` (string), `account_token?` (string), `begin?` (YYYY-MM-DD, inclusive), `end?` (YYYY-MM-DD, exclusive), `result?` (APPROVED, DECLINED), `page?` (integer), `page_size?` (1–1000, default 20)