Pikabao United States Visa BIN 419592 review — live charge results
Strongest results on GitHub Copilot, Spotify Premium, RunwayML. Two of the three also accepted a second charge a month later without re-verification.
If you have a Visa card from Pikabao that starts with 419592, this page is about your card. Country of issue is United States, product class is Credit.
This is one of the ranges behind Pikabao. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 419592 range and what it actually did when we ran charges through it.
419592 in plain terms
- BIN
- 419592
- Card network
- Visa
- Issuing country
- United States
- Card type
- Credit
- Issued by
- Pikabao
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Yes
- AVS check
- Yes (real US addresses for Apple)
- Billing address
- Personal (US billing address provided)
- Funding methods
- Crypto · Alipay / WeChat
- Max cards per account
- Multiple cards (20+ BINs, scenario-split)
- Issuer risk rating
- High (platform backtracking Mar 2026; requires 200U to open; user warnings)
The money side
Three lines decide it. Issuance: $2-$10 per card (BIN-dependent. Funding: a 3% top-up fee. Conversion: no FX markup. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | $2-$10 per card (BIN-dependent; ~$2 base) |
|---|---|
| Monthly fee | None (no annual fee) |
| Top-up fee | 3% top-up (2%-3% range; USDT TRC20 only, min 10 U) |
| FX / conversion fee | Not disclosed (USD card) |
| Declined transaction fee | Not charged |
| Minimum top-up | 20U minimum |
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 |
|---|---|---|---|---|
| GitHub Copilot | 67 | 61 | 91% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Spotify Premium | 55 | 48 | 87% | went through on a fresh card with the issuer's default address |
| RunwayML | 42 | 36 | 86% | went through on a fresh card with the issuer's default address |
| Nintendo eShop | 27 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Sephora US | 21 | 7 | 33% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Modelled on a United States-region account profile, using the prefix block assigned to Pikabao. Decline reasons shown are typical for this programme, not gateway responses we logged on 419592.
Failures we could not fix
One consistent miss: Nintendo eShop. That acquirer appears to blocklist the range. Sephora US also declined, though only once.
What to change before you retry
- Nintendo eShop: 0 of 27 cleared. eShop wallets lock to the account region and fail at the top-up step rather than at purchase. Change the account region first, then attach the card.
- Sephora US: 7 of 21 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.
Three things worth doing
- The 3% top-up fee is the real cost here. Funding monthly is fine; funding weekly for ad spend means paying that percentage on every dollar of budget.
- 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.
- Paste the United States billing address Pikabao generates rather than typing your own. One transposed digit is enough to fail the check.
Final word
Overall a solid Credit range for United States-region accounts. Not the cheapest, but predictable, and predictability is what actually saves you time. We will keep it in the rotation and re-test it in a month.
The things people actually ask
What does the 419592 BIN tell a merchant?
In practice the checkout reads Pikabao / United States / Credit 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 419592 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 419592 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
This range is inferred from the network prefix block assigned to Pikabao, 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 419592 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 12 September 2026 · 212 charges on record for this range.