Visa Virtual Card BIN 432039 - United Kingdom (Debit)
Best hit rate in our run: Perplexity AI, Leonardo.ai, GitHub Copilot. Timestamps in the log, no retries needed.
Not every range needs a long write-up. This one is Plasma One, United Kingdom, Visa, Debit, and it does the job without much fuss.
The spec sheet
- BIN
- 432039
- Card network
- Visa
- Issuing country
- United Kingdom
- Card type
- Debit
- Issued by
- Plasma One
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Crypto
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
What you pay, line by line
Budget for $199, no top-up fee, and a no decline fee penalty on declined authorizations. That last one only matters if you are pushing a lot of small charges. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | $199 |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
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 |
|---|---|---|---|---|
| Perplexity AI | 74 | 68 | 92% | first charge and renewal four weeks later both cleared |
| Leonardo.ai | 60 | 54 | 90% | first charge and renewal four weeks later both cleared |
| GitHub Copilot | 46 | 39 | 85% | went through on a fresh card with the issuer's default address |
| Sephora US | 30 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| StockX | 22 | 8 | 36% | Soft decline on the retry after an earlier failure on the same account. |
Run from a United Kingdom-region account between 17 Jun to 26 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
One honest caveat: Sephora US 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
- Sephora US: 0 of 30 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
- StockX: 8 of 22 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.
Setup notes for Plasma One
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- 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.
- Use the United Kingdom address Plasma One gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Our call
Nothing here is a dealbreaker, but nothing is a standout either. It does the job on United Kingdom-region checkouts. If you find a merchant where it behaves differently, tell us and we will add it to the log.
Questions we get about 432039
What does the 432039 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Plasma One, country of issue United Kingdom, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 432039 a real card number?
No, and this trips people up. 432039 is a range identifier shared across every card Plasma One issues in United Kingdom. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 432039 be declined if the range is fine?
Of the 232 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 432039.
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
We bought a Plasma One card, funded it, and pushed 232 charges through live merchant checkout pages between 17 Jun to 26 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 169 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 29 August 2026 · 232 charges on record for this range.