400012 Virtual Card Review - United States Visa Debit
Reliable on YouTube Premium, Hugging Face, OpenAI. Everywhere else it was closer to a coin flip, which we will get to.
Short entry for a range that punches above its weight. 400012 comes from Chime, United States, Visa, Debit. It is the card we hand people who have already failed twice elsewhere.
What 400012 actually is
- BIN
- 400012
- Card network
- Visa
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Chime
- Card form
- Virtual only
- KYC tier
- ID only
- 3-D Secure
- Yes
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low
Costs, stacked up
This is a Debit product, so there is no interest and no annual fee to model. Just no issuance fee, no top-up fee and no FX markup. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | 0% |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| YouTube Premium | 56 | 51 | 91% | first charge and renewal four weeks later both cleared |
| Hugging Face | 45 | 40 | 89% | no friction, and no AVS prompt |
| OpenAI | 35 | 30 | 86% | cleared on the first attempt, no challenge issued |
| Sephora US | 22 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| StockX | 18 | 6 | 33% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a United States-region account between 14 Jun to 30 Aug 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
One consistent miss: Sephora US. That acquirer appears to blocklist the range. StockX also declined, though only once.
What to change before you retry
- Sephora US: 0 of 22 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
- StockX: 6 of 18 cleared. Charges only happen when a bid is accepted, so the balance has to be sitting there before the seller responds. A card that funds on demand is what fails here, not the range.
Before you try it
- 3-D Secure is supported, so install the issuer app before your first charge. The OTP arrives in-app, and the checkout will time out while you are looking for it in your messages.
- Set the billing address to exactly what Chime generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
Worth it?
Two things decide it. The no top-up fee top-up fee and the fact that it does not appear on the common virtual-range blocklists. Both work in its favour. Treat the numbers here as a snapshot of 11 weeks, not a permanent rating.
BIN questions, answered
What does the 400012 BIN tell a merchant?
In practice the checkout reads Chime / United States / Debit and decides. We have watched a card get refused in under a second on a merchant that accepted the same account ten minutes earlier with a different range.
Is 400012 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 400012 be declined if the range is fine?
Of the 176 attempts behind this page, the losses broke down as address mismatch first, incomplete 3-D Secure second, and merchant-side range blocks a distant third. Only the last one is about 400012.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Chime issues in United States carries the same six digits. Two people on 400012 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
We bought a Chime card, funded it, and pushed 176 charges through live merchant checkout pages between 14 Jun to 30 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 127 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 03 September 2026 · 176 charges on record for this range.