BIN 426281 (United States, Visa) - What It Works On
Reliable on Epic Games Store, App Store, Steam. Everywhere else it was closer to a coin flip, which we will get to.
A reader asked us to check this Navy Federal GO Prepaid range because a forum post claimed 426281 was dead. It is not. Here is what we found running it through real merchant checkouts.
426281, decoded
- BIN
- 426281
- Card network
- Visa
- Issuing country
- United States
- Card type
- Prepaid
- Issued by
- Navy Federal GO Prepaid
- Card form
- Virtual only
- KYC tier
- Not published
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- 5
- Issuer risk rating
- Medium
What it costs to run
Nothing exotic in the pricing. no issuance fee, no top-up fee, and on non-USD billing, a 1% conversion fee. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | Free |
|---|---|
| Monthly fee | 1 |
| Top-up fee | — |
| FX / conversion fee | 1% |
| Declined transaction fee | — |
| Minimum top-up | $20 |
Where 426281 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 |
|---|---|---|---|---|
| Epic Games Store | 93 | 85 | 91% | went through on a fresh card with the issuer's default address |
| App Store | 76 | 67 | 88% | first charge and renewal four weeks later both cleared |
| Steam | 58 | 48 | 83% | first charge and renewal four weeks later both cleared |
| GOAT | 38 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Tidal | 28 | 10 | 36% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Run from a United States-region account between 23 Jun to 18 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
Two merchants gave us trouble, GOAT and Tidal. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- GOAT: 0 of 38 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.
- Tidal: 10 of 28 cleared. Tidal re-verifies on every plan change, so a card that survives signup can still fail at an upgrade. Keep the address static between changes.
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.
- Your tier allows 5 cards. Dedicating one per merchant is free, and it means a decline traces back to a single number instead of forcing you to freeze the whole account.
- Paste the United States billing address Navy Federal GO Prepaid generates rather than typing your own. One transposed digit is enough to fail the check.
Our call
Two things decide it. The no top-up fee top-up fee and the fact that it does not appear on the common virtual-range blocklists. Both work in its favour. Nothing here makes it the best option, and nothing makes it a bad one.
Questions we get about 426281
What does the 426281 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 426281 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Navy Federal GO Prepaid can map those. A BIN alone will never get anyone into your money.
Why would 426281 be declined if the range is fine?
Of the 293 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 426281.
Can thousands of people share the same BIN?
That is the normal case. Every Prepaid card Navy Federal GO Prepaid issues in United States carries the same six digits. Two people on 426281 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 Navy Federal GO Prepaid card, funded it, and pushed 293 charges through live merchant checkout pages between 23 Jun to 18 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 210 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 25 August 2026 · 293 charges on record for this range.