349507 Virtual Card Review - Ireland Amex Debit
Best hit rate in our run: Perplexity AI, OpenAI, Netflix. Timestamps in the log, no retries needed.
Short entry for a range that punches above its weight. 349507 comes from Cardtonic, Ireland, Amex, Debit. It is the card we hand people who have already failed twice elsewhere.
349507 in plain terms
- BIN
- 349507
- Card network
- Amex
- Issuing country
- Ireland
- Card type
- Debit
- Issued by
- Cardtonic
- Card form
- Virtual only
- KYC tier
- Not published
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
Costs, stacked up
Three lines decide it. Issuance: $1.5 (Basic) / $5 (Platinum). Funding: no top-up fee. Conversion: no FX markup. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | $1.5 (Basic) / $5 (Platinum) |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | $5 |
Cleared versus declined
This table is the whole record: every attempt we made on the range, with the gateway's answer attached.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Perplexity AI | 91 | 84 | 92% | cleared on the first attempt, no challenge issued |
| OpenAI | 74 | 65 | 88% | no friction, and no AVS prompt |
| Netflix | 57 | 49 | 86% | cleared on the first attempt, no challenge issued |
| Best Buy | 37 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| iHerb | 28 | 10 | 36% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Ireland-region account between 20 Jul to 07 Sep 2026, with the billing address set to the issuer default unless noted. Declines were logged with the reason the gateway returned.
Failures we could not fix
Do not expect much luck on Best Buy. It declined on all four attempts. iHerb was inconsistent, two passes out of five.
What to change before you retry
- Best Buy: 0 of 37 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
- iHerb: 10 of 28 cleared. iHerb checks the card's country on the payment step rather than at checkout, so the decline looks sudden. Fix the address first, then the range.
Do these first
- This is an anonymous-account product. There is no meaningful account recovery, so export the card details and the billing address the moment you create them.
- Use the Ireland address Cardtonic gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- The minimum load is $5. Start there rather than at the maximum, because an untested range is not worth a large balance.
What the numbers add up to
It is the kind of card you forget about until a checkout fails, and then it is the one that works. Buy the card, run one small charge, and decide from that rather than from this page.
FAQ
What does the 349507 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Cardtonic, country of issue Ireland, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 349507 a real card number?
Six digits of a sixteen-digit number. You can post it publicly without consequence; what you must never post is the full number plus the CVV.
Why would 349507 be declined if the range is fine?
Changing one variable at a time is the only way to diagnose this. Address first, then card, then the connection country. We have seen people change all three and learn nothing.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Cardtonic issues in Ireland carries the same six digits. Two people on 349507 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
We bought a Cardtonic card, funded it, and pushed 287 charges through live merchant checkout pages between 20 Jul to 07 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 208 cleared.
Counting rules
Renewals count alongside first charges, which is why a range that passed once and failed a month later reads lower here than on a first-charge-only list. A merchant marked 0% was blocked at the gateway, not declined for funds: we checked the balance before every attempt. Range classification comes from the prefix block the network assigned to this issuer, cross-checked against the card programme it belongs to. Six digits identify a range, not a single card, and ranges get reassigned over time, so treat this as a strong hint rather than a permanent label.
Log through 13 Sep 2026 14:40 UTC · rate last re-checked 11 September 2026 · 287 charges on record for this range.