Karta United States Visa BIN 423716 review — live charge results
Tested across 3 weeks. Hugging Face, YouTube Premium, Spotify Premium held at or above 219 passes, and the failures clustered on two merchants only.
423716 comes from Karta and is issued in United States on Visa. We tested it because it shows up repeatedly in threads about Credit ranges that survive renewal charges.
This range sits inside the Karta. The card page covers what it costs to open and reload, what the sign-up asks for, and every other range we have logged under this issuer — this page goes one level deeper, into what the 423716 range itself did at checkout.
The spec sheet
- BIN
- 423716
- Card network
- Visa
- Issuing country
- United States
- Card type
- Credit
- Issued by
- Karta
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes
- Billing address
- Business
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low-Medium
What it costs to run
On a monthly subscription the maths is easy: no issuance fee once, then a 3.5% top-up fee. It only starts to bite when you fund the card repeatedly. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free first, then $0.50/card |
|---|---|
| Monthly fee | Not specified (usage-based) |
| Top-up fee | 3.5% top-up (some tiers) |
| FX / conversion fee | 1% FX; 1% cross-border |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Results by merchant
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Hugging Face | 97 | 88 | 91% | went through on a fresh card with the issuer's default address |
| YouTube Premium | 79 | 70 | 89% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Spotify Premium | 61 | 50 | 82% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Crunchyroll | 39 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| GOAT | 29 | 11 | 38% | 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 Karta. Decline reasons shown are typical for this programme, not gateway responses we logged on 423716.
Failures we could not fix
It failed twice on Crunchyroll, 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
- Crunchyroll: 0 of 39 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.
- GOAT: 11 of 29 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.
Setup notes for Karta
- 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.
- Set the billing address to exactly what Karta generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- The 3.5% 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.
What the numbers add up to
The 3-D Secure behaviour is the reason we keep it. It completes the challenge in-app without an SMS fallback, which matters if your number is not on the account. We will keep it in the rotation and re-test it in a month.
Questions we get about 423716
What does the 423716 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 423716 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 423716 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.
Method
This range is inferred from the network prefix block assigned to Karta, 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 423716 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 18 September 2026 · 305 charges on record for this range.