425515 Virtual Card Review - Netherlands Visa Prepaid
132 of 184 attempts cleared, and most of those came from three merchants: App Store, Epic Games Store, Steam.
The first thing to know about 425515 is that it is not an anonymous range. OffGrid Card issues it in Netherlands and the Visa prefix is registered, which is why fewer merchants treat it as high risk.
425515, decoded
- BIN
- 425515
- Card network
- Visa
- Issuing country
- Netherlands
- Card type
- Prepaid
- Issued by
- OffGrid Card
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Custodial
- Funding methods
- Crypto
- Max cards per account
- Not published
- Issuer risk rating
- High
Costs, stacked up
Up front you have a Included in tier subscription. On each funding event, no top-up fee. Outside USD, no FX markup. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | Included in tier subscription |
|---|---|
| Monthly fee | — |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
The test results
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 |
|---|---|---|---|---|
| App Store | 58 | 53 | 91% | no friction, and no AVS prompt |
| Epic Games Store | 47 | 42 | 89% | first charge and renewal four weeks later both cleared |
| Steam | 36 | 30 | 83% | no friction, and no AVS prompt |
| Crunchyroll | 23 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Walmart | 20 | 7 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Netherlands-region account between 12 Jul to 30 Aug 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 Crunchyroll, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Crunchyroll: 0 of 23 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.
- Walmart: 7 of 20 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
Before you try it
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
- Use the Netherlands address OffGrid Card gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
Worth it?
We would rank it above average and below the top tier. The difference is the no FX markup conversion fee, which the better ranges do not charge. For the price it is hard to argue with, provided you can live with the no top-up fee funding cost.
BIN questions, answered
What does the 425515 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 425515 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 425515 be declined if the range is fine?
Of the 184 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 425515.
Can thousands of people share the same BIN?
That is the normal case. Every Prepaid card OffGrid Card issues in Netherlands carries the same six digits. Two people on 425515 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
We bought a OffGrid Card card, funded it, and pushed 184 charges through live merchant checkout pages between 12 Jul to 30 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 132 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 02 September 2026 · 184 charges on record for this range.