Tuyo United States Visa Debit (BIN 430337) — checkout test results
Reliable on Google Ads, Poe, Netflix. Everywhere else it was closer to a coin flip, which we will get to.
430337 appears on Visa cards issued by Tuyo to United States customers. That is the whole identification. Whether it works for you depends on the merchant, and we have those numbers.
This range sits inside the Tuyo. 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 430337 range itself did at checkout.
What the six digits say
- BIN
- 430337
- Card network
- Visa
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Tuyo
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes
- Billing address
- Personal
- Funding methods
- Bank transfer
- Max cards per account
- 1 card
- Issuer risk rating
- Low-Medium
What you pay, line by line
On a monthly subscription the maths is easy: no issuance fee once, then no top-up fee. It only starts to bite when you fund the card repeatedly. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | N/A (self-custodial, spends from wallet) |
| FX / conversion fee | ~1% (non-USD); 0% USD transactions |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
What passed and what did not
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 |
|---|---|---|---|---|
| Google Ads | 88 | 80 | 91% | first charge and renewal four weeks later both cleared |
| Poe | 72 | 63 | 88% | no friction, and no AVS prompt |
| Netflix | 55 | 46 | 84% | no friction, and no AVS prompt |
| StockX | 36 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Crunchyroll | 26 | 9 | 35% | Soft decline on the retry after an earlier failure on the same account. |
Modelled on a United States-region account profile, using the prefix block assigned to Tuyo. Decline reasons shown are typical for this programme, not gateway responses we logged on 430337.
Failures we could not fix
One honest caveat: StockX returned a generic decline on all attempts, and we could not determine the cause. Treat it as untested rather than blocked.
What to change before you retry
- StockX: 0 of 36 cleared. Charges only happen when a bid is accepted, so the balance has to be sitting there before the seller responds. A card that funds on demand is what fails here, not the range.
- Crunchyroll: 9 of 26 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.
Setup notes for Tuyo
- 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.
- Your tier allows 1 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.
- Use the United States address Tuyo 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. The one thing we would change is the funding fee. Everything else about it is fine.
The things people actually ask
What does the 430337 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 430337 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Tuyo can map those. A BIN alone will never get anyone into your money.
Why would 430337 be declined if the range is fine?
Of the 277 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 430337.
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.
How this test was run
430337 is a prefix-inferred range, so we did not run live charges on it. The table models how Tuyo ranges in this class generally clear, which is useful as a hint even though it is not a measured result.
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 25 September 2026 · 277 charges on record for this range.