BIN 417692: Ireland Visa Virtual Card (Debit)
Where it cleared without drama: Google Play, Epic Games Store, Steam. All three passed first time and survived a renewal four weeks later.
We keep coming back to 417692 when a merchant blocks the well-known virtual ranges. It comes from Pyra Card in Ireland and does not sit on the usual blocklists.
417692, decoded
- BIN
- 417692
- Card network
- Visa
- Issuing country
- Ireland
- Card type
- Debit
- Issued by
- Pyra Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Self-custody
- Funding methods
- Crypto
- Max cards per account
- Not published
- Issuer risk rating
- Medium
Running costs
The money side is simple: no issuance fee, a 0.5% top-up fee, and a 2% conversion fee on anything billed outside USD. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free (no maintenance) |
| Top-up fee | 0.5% (collateral swap); 0.5% (bank transfer) |
| FX / conversion fee | 1.2-2% (non-USD) |
| Declined transaction fee | — |
| Minimum top-up | — |
Results 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 |
|---|---|---|---|---|
| Google Play | 80 | 76 | 95% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Epic Games Store | 65 | 57 | 88% | cleared first time; a second charge a week later also went through |
| Steam | 50 | 42 | 84% | cleared on the first attempt, no challenge issued |
| Crunchyroll | 32 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Hetzner | 23 | 8 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Ireland-region account between 18 Jun to 27 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
Failures were rare but real: Crunchyroll declined on three attempts, and we never did get it through.
What to change before you retry
- Crunchyroll: 0 of 32 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.
- Hetzner: 8 of 23 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
Do these first
- Use the Ireland address Pyra Card gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
- 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.
Final word
Accurate summary: cheap to start, mid-priced to run, dependable enough that we stopped testing workarounds. That was true on our accounts. Yours may sit in a different risk bucket, which changes the result.
What people ask us
What does the 417692 BIN tell a merchant?
Roughly: who issued it, where, and what kind of product it is. Most declines we log happen at this step, which is why swapping the range fixes problems that changing the balance never does.
Is 417692 a real card number?
No, and this trips people up. 417692 is a range identifier shared across every card Pyra Card issues in Ireland. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 417692 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 Pyra Card card, funded it, and pushed 250 charges through live merchant checkout pages between 18 Jun to 27 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 183 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 03 September 2026 · 250 charges on record for this range.