Control
Each card does only what you allow: where it works, how much it spends, and whether it works at all.
About us
It started with one question
“What does a store get to do with my card once I’ve given it to them?”
Every time you pay online, you hand over the same card number. The store keeps it, and so can the services it works with. If one of them is breached, or a free trial quietly turns into a monthly charge, the usual fix is to replace your card and update it everywhere you use it.
PhantomPay gives that control back to you. Every place you pay gets its own virtual card with rules you set, and you can pause, replace or close it in a tap without touching the others.
We’re building PhantomPay in Toronto, for people in Canada and beyond, and opening it to our waitlist first.
Why now
Subscriptions add up, and so does fraud
Canadians spend billions online, subscriptions keep multiplying and often go forgotten, and reported fraud losses reached a record in 2025.
$77B
in Canadian e-commerce transactions in 2024.
Payments Canada, 2025 (opens in a new tab)$1.2T
projected for the global subscription economy by 2030, up from $722B in 2025.
Juniper Research, 2025 (opens in a new tab)66%
of Canadians have paid for a subscription they forgot they had.
Hardbacon survey, 2024 (opens in a new tab)$704M+
reported lost to fraud in Canada in 2025, and only 5 to 10% of scams are reported.
Government of Canada, 2026 (opens in a new tab)
What we care about
Built around you staying in control
PhantomPayCard ending in 4821
EverywhereEveryday
Plain words
Alerts and declines explain what happened in everyday language, not codes.
Stay in the loop
Every transaction, subscription and suspicious charge managed in one place, so nothing slips past you.
Team
The founders
Sasha Zhukovsky
Founder & CEO
Leads PhantomPay’s product and direction. Studying Engineering Science at the University of Toronto, focused on fintech, startups and financial innovation.
LinkedIn: Sasha Zhukovsky (opens in a new tab)
Aaryan Kabani
Founder & CTO
Leads engineering. Double degree student in Computer Science at the University of Waterloo and Business Administration (BBA) at Wilfrid Laurier University. A TKS alumnus focused on fintech and full-stack development.
LinkedIn: Aaryan Kabani (opens in a new tab)
Ashwin Somu
Founder & CFO
Oversees funding and financial reporting. Accounting and Financial Management (AFM) student at the University of Waterloo, with an interest in fintech.
LinkedIn: Ashwin Somu (opens in a new tab)
CreateManageVanish
Your payment credentials, managed in an instant.
Join waitlist(opens in a new tab)