Subscription Security: Protecting Your Payment Data in 2026

Every subscription you sign up for stores your payment details. With 17 average subscriptions per person, that is 17 potential breach vectors. Security is not optional.

What SubTracker Stores (and Doesn't) SubTracker never connects to your bank. It never sees your card number, bank credentials, or transaction history. Everything you enter — service names, amounts, dates — is typed manually. This is a deliberate privacy-first design. Your subscription data is stored encrypted in EU servers (Supabase, West London).

Virtual Cards: The Best Protection A virtual card generates a unique card number per merchant. If that merchant is breached or charges you incorrectly, you close just that virtual card — your real card and other subscriptions are unaffected.

UK: Revolut, Monzo USA: Privacy.com (free) EU: Revolut, N26, Bunq

For free trials: set the virtual card spending limit to €0. The trial runs, but the paid conversion cannot process.

After a Data Breach 1. Change your password immediately 2. Check if payment data was included in the breach 3. If yes: call your bank for a card replacement 4. Scan the past 60 days of statements for unauthorised charges 5. Check Have I Been Pwned (haveibeenpwned.com) for your email 6. Update any services sharing the same password

The Security Checklist - Password manager (1Password, Bitwarden — not the browser's built-in) - 2FA on every subscription with payment data - Separate email address for subscriptions - Quarterly audit of saved payment methods — delete unused ones