BIN 412962: United States Visa Virtual Card (Debit)
Best hit rate in our run: Steam, Epic Games Store, Google Play. Timestamps in the log, no retries needed.
The first thing to know about 412962 is that it is not an anonymous range. Venmo Credit Card issues it in United States and the Visa prefix is registered, which is why fewer merchants treat it as high risk.
What 412962 actually is
- BIN
- 412962
- Card network
- Visa
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Venmo Credit Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low
What it costs to run
The first charge carries no issuance fee. Every charge after it carries no top-up fee, and outside USD, no FX markup. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | 0% (no foreign fee) |
| 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 |
|---|---|---|---|---|
| Steam | 89 | 82 | 92% | went through on a fresh card with the issuer's default address |
| Epic Games Store | 72 | 62 | 86% | went through on a fresh card with the issuer's default address |
| Google Play | 56 | 45 | 80% | went through on a fresh card with the issuer's default address |
| iHerb | 36 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Nike US | 27 | 10 | 37% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a United States-region account between 29 Jul to 02 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
The pattern in our failures is geographic. iHerb accepted it once the account region matched United States, and refused it every time it did not.
What to change before you retry
- iHerb: 0 of 36 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.
- Nike US: 10 of 27 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.
Getting it to work first time
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- 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.
- Paste the United States billing address Venmo Credit Card generates rather than typing your own. One transposed digit is enough to fail the check.
Verdict, briefly
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. The one thing we would change is the funding fee. Everything else about it is fine.
The things people actually ask
What does the 412962 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Venmo Credit Card, country of issue United States, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 412962 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 412962 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?
Yes, and it is worth internalising. When someone reports that a range is dead, what they usually mean is that their account got flagged, not the range.
How we got these numbers
We bought a Venmo Credit Card card, funded it, and pushed 280 charges through live merchant checkout pages between 29 Jul to 02 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 199 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 04 September 2026 · 280 charges on record for this range.