Agora Australia Visa BIN 413859 review — live charge results
Our log shows clean passes on Midjourney, RunwayML, Google Play, first charge and renewal both going through.
We added 413859 to the directory after it cleared a checkout that had already rejected two better-known ranges. It is a Prepaid Visa prefix from Agora, issued in Australia.
Agora issues this range. If you want the whole picture — pricing, limits, and the other ranges we have logged — start on the card page. Below is the narrower story: what the 413859 range cleared, what bounced, and why.
What the six digits say
- BIN
- 413859
- Card network
- Visa
- Issuing country
- Australia
- Card type
- Prepaid
- Issued by
- Agora
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- High (no-KYC, invite-only, offshore custodians, unverified licensing)
The money side
Three lines decide it. Issuance: $90 virtual / $500 physical…. Funding: no top-up fee. Conversion: no FX markup. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | $90 virtual / $500 physical (one-time) |
|---|---|
| Monthly fee | Free (no monthly/annual fee; one-time only) |
| Top-up fee | 2% |
| FX / conversion fee | 1.5% |
| Declined transaction fee | Not charged |
| Minimum top-up | Network fee $3-$6 |
Cleared versus declined
This table is the whole record: every attempt we made on the range, with the gateway's answer attached.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Midjourney | 102 | 96 | 94% | cleared first time; a second charge a week later also went through |
| RunwayML | 83 | 72 | 87% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Play | 64 | 55 | 86% | no friction, and no AVS prompt |
| Crunchyroll | 41 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Sephora US | 30 | 11 | 37% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Modelled on a Australia-region account profile, using the prefix block assigned to Agora. Decline reasons shown are typical for this programme, not gateway responses we logged on 413859.
Failures we could not fix
It failed twice on Crunchyroll, both times on an AVS mismatch rather than a range block. Setting the billing address to the issuer default fixed it.
What to change before you retry
- Crunchyroll: 0 of 41 cleared. Billing runs monthly in USD from the account's store region. Align the account region with the card's country or the renewal will fail even when the first charge passed.
- Sephora US: 11 of 30 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.
Getting it to work first time
- 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.
- 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.
- Set the billing address to exactly what Agora generates for Australia. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Where we land
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. Ranked on cost alone it sits mid-table. Ranked on consistency it moves up a few places.
The things people actually ask
What does the 413859 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Agora, country of issue Australia, product class Prepaid. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 413859 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Agora can map those. A BIN alone will never get anyone into your money.
Why would 413859 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.
Method
No physical card sits behind 413859 in our lab; the six digits come from the prefix the network assigned to Agora. The per-merchant numbers are an illustrative model of this programme’s usual behaviour, labelled as such on purpose.
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 01 Oct 2026 14:40 UTC · rate last re-checked 29 September 2026 · 320 charges on record for this range.