BIN 418580 (Netherlands, Visa) - What It Works On
Tested across 10 weeks. App Store, Epic Games Store, Steam held at or above 230 passes, and the failures clustered on two merchants only.
Osmosis Pay runs this range for Netherlands. Six digits, Debit classification, Visa rails. Nothing clever about it, which is exactly why it keeps clearing.
What 418580 actually is
- BIN
- 418580
- Card network
- Visa
- Issuing country
- Netherlands
- Card type
- Debit
- Issued by
- Osmosis Pay
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Crypto
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
The fee stack
Three lines decide it. Issuance: no issuance fee. Funding: no top-up fee. Conversion: no FX markup. The fee table is short enough to read in full, which is rarer in this category than it should be.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| App Store | 101 | 91 | 90% | cleared first time; a second charge a week later also went through |
| Epic Games Store | 82 | 74 | 90% | no friction, and no AVS prompt |
| Steam | 63 | 54 | 86% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Hetzner | 41 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Crunchyroll | 31 | 11 | 35% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a Netherlands-region account between 17 Jun to 26 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
The weak spot is Hetzner, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Hetzner: 0 of 41 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.
- Crunchyroll: 11 of 31 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.
Setup notes for Osmosis Pay
- 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.
- Use the Netherlands address Osmosis Pay gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
Worth it?
We would rank it above average and below the top tier. The difference is the no FX markup conversion fee, which the better ranges do not charge. If your only requirement is that the payment goes through, this range meets it.
Questions we get about 418580
What does the 418580 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 418580 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 418580 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?
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 Osmosis Pay card, funded it, and pushed 318 charges through live merchant checkout pages between 17 Jun to 26 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 230 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 28 August 2026 · 318 charges on record for this range.