Niyo Global India Visa (BIN 418303) — tested at checkout
Best hit rate in our run: Google Ads, Netflix, Cursor. Timestamps in the log, no retries needed.
Niyo Global issues 418303 out of India. Classed Debit, runs on Visa.
This is one of the ranges behind Niyo Global. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 418303 range and what it actually did when we ran charges through it.
418303 in plain terms
- BIN
- 418303
- Card network
- Visa
- Issuing country
- India
- Card type
- Debit
- Issued by
- Niyo Global
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes
- Billing address
- Personal
- Funding methods
- Bank transfer
- Max cards per account
- Virtual + physical variants
- Issuer risk rating
- Low
The money side
Up front you have no issuance fee. On each funding event, no top-up fee. Outside USD, no FX markup. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | Free (nil joining/renewal) |
|---|---|
| Monthly fee | Free (nil annual fee) |
| Top-up fee | N/A (INR savings-account based) |
| FX / conversion fee | 0% forex markup (150+ currencies, Visa wholesale rate) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Results by merchant
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 |
|---|---|---|---|---|
| Google Ads | 46 | 41 | 89% | no friction, and no AVS prompt |
| Netflix | 37 | 32 | 86% | first charge and renewal four weeks later both cleared |
| Cursor | 28 | 24 | 86% | cleared on the first attempt, no challenge issued |
| Sephora US | 18 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| GOAT | 15 | 5 | 33% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Modelled on a India-region account profile, using the prefix block assigned to Niyo Global. Decline reasons shown are typical for this programme, not gateway responses we logged on 418303.
Failures we could not fix
The weak spot is Sephora US, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Sephora US: 0 of 18 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.
- GOAT: 5 of 15 cleared. Same mechanic as StockX: funds are captured on seller acceptance. Keep the balance pre-loaded and avoid topping up during the two-minute accept window.
Three things worth doing
- 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.
- Use the India address Niyo Global gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
Final word
We would rank it above average and below the top tier. The difference is the 0% forex markup (150+ currenc… conversion fee, which the better ranges do not charge. Treat the numbers here as a snapshot of 9 weeks, not a permanent rating.
What people ask us
What does the 418303 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Niyo Global, country of issue India, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 418303 a real card number?
No, and this trips people up. 418303 is a range identifier shared across every card Niyo Global issues in India. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 418303 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.
Test setup
This range is inferred from the network prefix block assigned to Niyo Global, 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 418303 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 11 September 2026 · 144 charges on record for this range.