Payy Visa United States virtual card (BIN 413984): what cleared
Strongest results on App Store, Epic Games Store, Steam. Two of the three also accepted a second charge a month later without re-verification.
There is not much to say about a BIN until you test one, so we ran 413984 from Payy against a live checkout and kept the log. Results below, including the two places it failed.
This range sits inside the Payy. The card page covers what it costs to open and reload, what the sign-up asks for, and every other range we have logged under this issuer — this page goes one level deeper, into what the 413984 range itself did at checkout.
Reading the 413984 prefix
- BIN
- 413984
- Card network
- Visa
- Issuing country
- United States
- Card type
- Prepaid
- Issued by
- Payy
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- Not published
- Billing address
- US billing (platform-provided)
- Funding methods
- Crypto
- Max cards per account
- Not published
- Issuer risk rating
- Low
The fee stack
Compared with the rest of the directory this sits mid-table. no issuance fee to open, no top-up fee to fund, and a 1% conversion fee on conversion. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | $0 (no issuance fee) |
|---|---|
| Monthly fee | Free |
| Top-up fee | 0% top-up (Visa/bank FX 1%) |
| FX / conversion fee | 1% (bank FX) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
What passed and what did not
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 |
|---|---|---|---|---|
| App Store | 94 | 86 | 91% | first charge and renewal four weeks later both cleared |
| Epic Games Store | 76 | 66 | 87% | cleared on the first attempt, no challenge issued |
| Steam | 59 | 48 | 81% | went through on a fresh card with the issuer's default address |
| Hulu | 38 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Sephora US | 28 | 10 | 36% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Modelled on a United States-region account profile, using the prefix block assigned to Payy. Decline reasons shown are typical for this programme, not gateway responses we logged on 413984.
Failures we could not fix
Two merchants gave us trouble, Hulu and Sephora US. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- Hulu: 0 of 38 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
- Sephora US: 10 of 28 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.
Before you try it
- This range does not advertise 3-D Secure. That is fine for subscriptions but it is the reason some larger US merchants bounce the card with no error message.
- Set the billing address to exactly what Payy generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- Funding is crypto-first. Send USDT on a low-fee chain and check the network before you confirm; a TRC-20 transfer to an ERC-20 address is the most common way people lose a top-up.
Worth it?
Verdict: worth keeping for United States checkouts. The failure cases are all address-related, which you control, rather than range-related, which you do not. We will keep it in the rotation and re-test it in a month.
What people ask us
What does the 413984 BIN tell a merchant?
In practice the checkout reads Payy / United States / Prepaid and decides. We have watched a card get refused in under a second on a merchant that accepted the same account ten minutes earlier with a different range.
Is 413984 a real card number?
No, and this trips people up. 413984 is a range identifier shared across every card Payy issues in United States. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 413984 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?
That is the normal case. Every Prepaid card Payy issues in United States carries the same six digits. Two people on 413984 can get opposite results at the same checkout, which is why a single review is never conclusive.
How we got these numbers
This range is inferred from the network prefix block assigned to Payy, not taken from a card we bought. The merchant breakdown below is a modelled illustration of how ranges in this programme typically perform, not a log of charges we ran on 413984 itself.
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 10 September 2026 · 295 charges on record for this range.