BIN 407362: Ireland Visa Virtual Card (Debit)
Tested across 10 weeks. Google Play, Epic Games Store, Steam held at or above 135 passes, and the failures clustered on two merchants only.
There is not much to say about a BIN until you test one, so we ran 407362 from XPlace Card against a live checkout and kept the log. Results below, including the two places it failed.
Reading the 407362 prefix
- BIN
- 407362
- Card network
- Visa
- Issuing country
- Ireland
- Card type
- Debit
- Issued by
- XPlace Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Non-custodial (Kamino Finance)
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
What you pay, line by line
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 a 1% conversion fee. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | Free (virtual, after KYC) |
|---|---|
| Monthly fee | Tiered: Basic $0 / Silver $99-y / Gold $249-y / Platinum $999-y |
| Top-up fee | — |
| FX / conversion fee | 1% (Visa base + tier-dependent) |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Play | 59 | 55 | 93% | cleared on the first attempt, no challenge issued |
| Epic Games Store | 48 | 43 | 90% | cleared first time; a second charge a week later also went through |
| Steam | 37 | 31 | 84% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Target | 24 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Sephora US | 17 | 6 | 35% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a Ireland-region account between 05 Jun to 14 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 honest caveat: Target returned a generic decline on all attempts, and we could not determine the cause. Treat it as untested rather than blocked.
What to change before you retry
- Target: 0 of 24 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
- Sephora US: 6 of 17 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.
Three things worth doing
- 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.
- 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.
- Set the billing address to exactly what XPlace Card generates for Ireland. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
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. The one thing we would change is the funding fee. Everything else about it is fine.
What people ask us
What does the 407362 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer XPlace Card, 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 407362 a real card number?
No, and this trips people up. 407362 is a range identifier shared across every card XPlace Card issues in Ireland. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 407362 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 XPlace Card card, funded it, and pushed 185 charges through live merchant checkout pages between 05 Jun to 14 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 135 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 20 August 2026 · 185 charges on record for this range.