BIN 401463 (India, Visa) - What It Works On
70 of 98 attempts cleared, and most of those came from three merchants: Steam, Google Play, App Store.
We keep coming back to 401463 when a merchant blocks the well-known virtual ranges. It comes from Skydo in India and does not sit on the usual blocklists.
What 401463 actually is
- BIN
- 401463
- Card network
- Visa
- Issuing country
- India
- Card type
- Credit
- Issued by
- Skydo
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- India/Global
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
What it costs to run
This is a Credit product, so there is no interest and no annual fee to model. Just no issuance fee, no top-up fee and no FX markup. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | Free |
|---|---|
| Monthly fee | From $19-29 or 0.5% flat |
| Top-up fee | — |
| FX / conversion fee | 0% |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant 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 |
|---|---|---|---|---|
| Steam | 31 | 28 | 90% | first charge and renewal four weeks later both cleared |
| Google Play | 25 | 22 | 88% | first charge and renewal four weeks later both cleared |
| App Store | 19 | 16 | 84% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Hetzner | 12 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| StockX | 11 | 4 | 36% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a India-region account between 26 Jun to 28 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
Do not expect much luck on Hetzner. It declined on all four attempts. StockX was inconsistent, two passes out of five.
What to change before you retry
- Hetzner: 0 of 12 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
- StockX: 4 of 11 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.
Practical notes
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
- Paste the India billing address Skydo generates rather than typing your own. One transposed digit is enough to fail the check.
- Bank transfer is the cheap funding route here, but it is not instant. Top up a day before a renewal rather than the same morning.
What the numbers add up to
We would rank it above average and below the top tier. The difference is the 0% conversion fee, which the better ranges do not charge. If you find a merchant where it behaves differently, tell us and we will add it to the log.
BIN questions, answered
What does the 401463 BIN tell a merchant?
Roughly: who issued it, where, and what kind of product it is. Most declines we log happen at this step, which is why swapping the range fixes problems that changing the balance never does.
Is 401463 a real card number?
No, and this trips people up. 401463 is a range identifier shared across every card Skydo issues in India. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 401463 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?
Shared by design. Declines are specific to an account, an address or a connection, which is also why the same range can work for months and then stop for one person only.
How this test was run
We bought a Skydo card, funded it, and pushed 98 charges through live merchant checkout pages between 26 Jun to 28 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 70 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 31 August 2026 · 98 charges on record for this range.