BIN 420805: Canada Visa Virtual Card (Debit)
The three places it never failed: App Store, Epic Games Store, Steam. Everything above 90% success in the log traces back to those.
420805 comes from Shakepay and is issued in Canada on Visa. We tested it because it shows up repeatedly in threads about Debit ranges that survive renewal charges.
The spec sheet
- BIN
- 420805
- Card network
- Visa
- Issuing country
- Canada
- Card type
- Debit
- Issued by
- Shakepay
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes
- Billing address
- Canada
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
What you pay, line by line
Compared with the rest of the directory this sits mid-table. no issuance fee to open, no top-up fee to fund, and no FX markup on conversion. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
What passed and what did 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 | 82 | 77 | 94% | first charge and renewal four weeks later both cleared |
| Epic Games Store | 66 | 58 | 88% | cleared on the first attempt, no challenge issued |
| Steam | 51 | 41 | 80% | cleared, 3-D Secure completed in-app in under 20 seconds |
| PlayStation Network | 33 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Target | 25 | 9 | 36% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Canada-region account between 31 Jul to 04 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
It failed twice on PlayStation Network, both times on an AVS mismatch rather than a range block. Setting the billing address to the issuer default fixed it.
What to change before you retry
- PlayStation Network: 0 of 33 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.
- Target: 9 of 25 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
Getting it to work first time
- 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.
- Set the billing address to exactly what Shakepay generates for Canada. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
Worth it?
We would not build a whole spend strategy on one Debit range, but as one card among two or three it earns its place. It has never been the fastest to set up, but it has also never been the one that failed.
The things people actually ask
What does the 420805 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 420805 a real card number?
No, and this trips people up. 420805 is a range identifier shared across every card Shakepay issues in Canada. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 420805 be declined if the range is fine?
Of the 257 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 420805.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Shakepay issues in Canada carries the same six digits. Two people on 420805 can get opposite results at the same checkout, which is why a single review is never conclusive.
How we got these numbers
We bought a Shakepay card, funded it, and pushed 257 charges through live merchant checkout pages between 31 Jul to 04 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 185 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 10 September 2026 · 257 charges on record for this range.