BIN 415271 (United Kingdom, Visa) - What It Works On
The range did well against Disney+, Steam, Spotify Premium. We logged 73 successful authorizations out of 101 attempts across the test window.
We keep coming back to 415271 when a merchant blocks the well-known virtual ranges. It comes from UPay in United Kingdom and does not sit on the usual blocklists.
What the six digits say
- BIN
- 415271
- Card network
- Visa
- Issuing country
- United Kingdom
- Card type
- Debit
- Issued by
- UPay
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- 1 card
- Issuer risk rating
- Medium
Running costs
The first charge carries no issuance fee. Every charge after it carries a 0.5% top-up fee, and outside USD, no FX markup. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free (no card issuance fee) |
|---|---|
| Monthly fee | Free (no monthly fee) |
| Top-up fee | Free (transaction fee up to 0.5% waived) |
| FX / conversion fee | No foreign transaction fees |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
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 |
|---|---|---|---|---|
| Disney+ | 32 | 30 | 94% | cleared on the first attempt, no challenge issued |
| Steam | 26 | 23 | 88% | went through on a fresh card with the issuer's default address |
| Spotify Premium | 20 | 17 | 85% | went through on a fresh card with the issuer's default address |
| Sephora US | 13 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Target | 10 | 3 | 30% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a United Kingdom-region account between 14 Jul to 18 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
We only saw failures on Sephora US when the account region did not match the card country. With both set to United Kingdom it passed.
What to change before you retry
- Sephora US: 0 of 13 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.
- Target: 3 of 10 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.
Getting it to work first time
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
- 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 UPay generates for United Kingdom. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Our call
Nothing here is a dealbreaker, but nothing is a standout either. It does the job on United Kingdom-region checkouts. Take the Debit label seriously though. Some merchant rules treat it differently to credit.
The things people actually ask
What does the 415271 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer UPay, country of issue United Kingdom, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 415271 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 415271 be declined if the range is fine?
Of the 101 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 415271.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card UPay issues in United Kingdom carries the same six digits. Two people on 415271 can get opposite results at the same checkout, which is why a single review is never conclusive.
How we got these numbers
We bought a UPay card, funded it, and pushed 101 charges through live merchant checkout pages between 14 Jul to 18 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 73 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 26 August 2026 · 101 charges on record for this range.