BIN 420321: Australia Visa Virtual Card (Debit)
Best hit rate in our run: App Store, Epic Games Store, Google Play. Timestamps in the log, no retries needed.
This range belongs to Stables. Issued out of Australia on Visa, classed as Debit by most acquirers.
Reading the 420321 prefix
- BIN
- 420321
- Card network
- Visa
- Issuing country
- Australia
- Card type
- Debit
- Issued by
- Stables
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Australia
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
The money side
The signup cost is easy to compare and mostly irrelevant. What follows you around is no top-up fee, with no FX markup sitting behind it. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Where 420321 clears, and where it does not
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 |
|---|---|---|---|---|
| App Store | 105 | 94 | 90% | first charge and renewal four weeks later both cleared |
| Epic Games Store | 85 | 76 | 89% | cleared first time; a second charge a week later also went through |
| Google Play | 66 | 54 | 82% | first charge and renewal four weeks later both cleared |
| Nintendo eShop | 42 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| PlayStation Network | 32 | 12 | 38% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Australia-region account between 07 Jul to 08 Sep 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 Nintendo eShop, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Nintendo eShop: 0 of 42 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.
- PlayStation Network: 12 of 32 cleared. Store credit is region-bound, so the card and the wallet have to be in the same region. Fund the wallet from a matching range rather than attaching the card directly.
Before you try it
- 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.
- 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.
- Paste the Australia billing address Stables generates rather than typing your own. One transposed digit is enough to fail the check.
Final word
If you only need one subscription this is more than enough. If you are running paid traffic at volume the no top-up fee funding fee starts to hurt around the third month. Nothing here makes it the best option, and nothing makes it a bad one.
FAQ
What does the 420321 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 420321 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Stables can map those. A BIN alone will never get anyone into your money.
Why would 420321 be declined if the range is fine?
Of the 330 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 420321.
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
We bought a Stables card, funded it, and pushed 330 charges through live merchant checkout pages between 07 Jul to 08 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 236 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 12 September 2026 · 330 charges on record for this range.