413652 BIN Check - United States Visa Credit Card
The range did well against Bing Ads, App Store, Google Ads. We logged 196 successful authorizations out of 271 attempts across the test window.
The first thing to know about 413652 is that it is not an anonymous range. Ramp issues it in United States and the Visa prefix is registered, which is why fewer merchants treat it as high risk.
What the six digits say
- BIN
- 413652
- Card network
- Visa
- Issuing country
- United States
- Card type
- Credit
- Issued by
- Ramp
- 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
- Unlimited
- Issuer risk rating
- Low
Costs, stacked up
Compared with the rest of the directory this sits mid-table. no issuance fee to open, no top-up fee to fund, and no FX markup on conversion. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | 0% |
| Declined transaction fee | — |
| Minimum top-up | — |
The test results
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 |
|---|---|---|---|---|
| Bing Ads | 86 | 81 | 94% | cleared, 3-D Secure completed in-app in under 20 seconds |
| App Store | 70 | 60 | 86% | cleared first time; a second charge a week later also went through |
| Google Ads | 54 | 46 | 85% | first charge and renewal four weeks later both cleared |
| Target | 35 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Walmart | 26 | 9 | 35% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
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
We only saw failures on Target when the account region did not match the card country. With both set to United States it passed.
What to change before you retry
- Target: 0 of 35 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.
- Walmart: 9 of 26 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
Three things worth doing
- The billing address is fixed to the issuer's default United States commercial address. Do not try to substitute your own, the AVS check compares against theirs.
- Set the billing address to exactly what Ramp generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
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. Nothing here makes it the best option, and nothing makes it a bad one.
FAQ
What does the 413652 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Ramp, country of issue United States, product class Credit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 413652 a real card number?
No, and this trips people up. 413652 is a range identifier shared across every card Ramp issues in United States. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 413652 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
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 Ramp card, funded it, and pushed 271 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. 196 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 08 September 2026 · 271 charges on record for this range.