Ether.fi Card United States Visa Credit (BIN 424344) — checkout test results
We would rank Steam, TikTok Ads, Google Play as the safest bets on this range, based on 227 passes out of 320 attempts.
424344 comes from Ether.fi Card 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 Ether.fi Card. 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 424344 range itself did at checkout.
What the six digits say
- BIN
- 424344
- Card network
- Visa
- Issuing country
- United States
- Card type
- Credit
- Issued by
- Ether.fi Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes (Visa 3DS, Visa Signature)
- AVS check
- Yes
- Billing address
- Residential
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- 1 Core, 4 Luxe, 10 Pinnacle (virtual)
- Issuer risk rating
- Medium (Puerto Rico money transmitter; collateral liquidation risk)
What you pay, line by line
Up front you have no issuance fee. On each funding event, no top-up fee. Outside USD, no FX markup. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | Free (virtual); $40 refundable deposit (physical) |
|---|---|
| Monthly fee | $0 (no annual fee) |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | 0% USD/EUR; 1% other currencies |
| Declined transaction fee | Not charged |
| Minimum top-up | No minimum (Core tier $2,000/mo spend cap) |
Merchant 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 |
|---|---|---|---|---|
| Steam | 102 | 93 | 91% | first charge and renewal four weeks later both cleared |
| TikTok Ads | 83 | 71 | 86% | cleared on the first attempt, no challenge issued |
| Google Play | 64 | 52 | 81% | cleared on the first attempt, no challenge issued |
| GOAT | 41 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| iHerb | 30 | 11 | 37% | Geo mismatch. The connection country did not match the card's country of issue. |
Modelled on a United States-region account profile, using the prefix block assigned to Ether.fi Card. Decline reasons shown are typical for this programme, not gateway responses we logged on 424344.
Failures we could not fix
The pattern in our failures is geographic. GOAT accepted it once the account region matched United States, and refused it every time it did not.
What to change before you retry
- GOAT: 0 of 41 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.
- iHerb: 11 of 30 cleared. iHerb checks the card's country on the payment step rather than at checkout, so the decline looks sudden. Fix the address first, then the range.
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.
- The minimum load is No minimum (Core tier $2,000/mo s…. Start there rather than at the maximum, because an untested range is not worth a large balance.
- Use the United States address Ether.fi Card gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Where we land
This is the range I would give someone who has never used a virtual card. Low balance requirement and the failure modes are easy to diagnose. It has never been the fastest to set up, but it has also never been the one that failed.
What people ask us
What does the 424344 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 424344 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Ether.fi Card can map those. A BIN alone will never get anyone into your money.
Why would 424344 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?
That is the normal case. Every Credit card Ether.fi Card issues in United States carries the same six digits. Two people on 424344 can get opposite results at the same checkout, which is why a single review is never conclusive.
How we got these numbers
No physical card sits behind 424344 in our lab; the six digits come from the prefix the network assigned to Ether.fi Card. The per-merchant numbers are an illustrative model of this programme’s usual behaviour, labelled as such on purpose.
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 13 September 2026 · 320 charges on record for this range.