407486 Virtual Card Review - Sweden Visa Debit
It works on Steam, Google Play, App Store. Those three account for most of the 117 successful charges we recorded.
The first thing to know about 407486 is that it is not an anonymous range. Klarna Card issues it in Sweden and the Visa prefix is registered, which is why fewer merchants treat it as high risk.
407486, decoded
- BIN
- 407486
- Card network
- Visa
- Issuing country
- Sweden
- Card type
- Debit
- Issued by
- Klarna Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- US General / UK
- Funding methods
- Bank transfer
- Max cards per account
- 1 physical + 1 virtual
- Issuer risk rating
- Medium
What you pay, line by line
Nothing exotic in the pricing. no issuance fee, no top-up fee, and on non-USD billing, no FX markup. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | 0% |
| Declined transaction fee | — |
| Minimum top-up | — |
The test results
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 52 | 47 | 90% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Play | 42 | 37 | 88% | no friction, and no AVS prompt |
| App Store | 32 | 27 | 84% | cleared on the first attempt, no challenge issued |
| Nike US | 21 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Target | 17 | 6 | 35% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a Sweden-region account between 05 Jul to 16 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: Nike US 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
- Nike US: 0 of 21 cleared. Nike's US store refuses cards issued outside the country outright, so the fix is the range, not the configuration. A domestic-issued range clears; a foreign one never will.
- Target: 6 of 17 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.
Setup notes for Klarna Card
- Set the billing address to exactly what Klarna Card generates for Sweden. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- Your tier allows 1 cards. Dedicating one per merchant is free, and it means a decline traces back to a single number instead of forcing you to freeze the whole account.
- The billing address is fixed to the issuer's default Sweden commercial address. Do not try to substitute your own, the AVS check compares against theirs.
Final word
Overall a solid Debit range for Sweden-region accounts. Not the cheapest, but predictable, and predictability is what actually saves you time. Worth keeping if your merchants sit in Sweden. Worth ignoring if they do not.
BIN questions, answered
What does the 407486 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 407486 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 407486 be declined if the range is fine?
Of the 164 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 407486.
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.
Method
We bought a Klarna Card card, funded it, and pushed 164 charges through live merchant checkout pages between 05 Jul to 16 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 117 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 24 August 2026 · 164 charges on record for this range.