Eversend Africa Visa (BIN 436021) — tested at checkout
Best hit rate in our run: Google Ads, Meta Ads, TikTok Ads. Timestamps in the log, no retries needed.
436021 appears on Visa cards issued by Eversend to Africa 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 Eversend. 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 436021 range itself did at checkout.
What the six digits say
- BIN
- 436021
- Card network
- Visa
- Issuing country
- Africa
- Card type
- Prepaid
- Issued by
- Eversend
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes (Visa 3DS)
- AVS check
- Yes
- Billing address
- Residential
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple (per-purpose cards)
- Issuer risk rating
- Medium (licensed in key African markets, Fireblocks custody)
The money side
The money side is simple: $0.99 (monthly plan) or $2.99…, no top-up fee, and a 3.5% conversion fee on anything billed outside USD. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | $0.99 (monthly plan) or $2.99 (lifetime one-time) |
|---|---|
| Monthly fee | $0.99/mo (monthly plan); $0 (lifetime plan) |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | 3.5% + $0.50 (non-USD or USD settled outside US) |
| Declined transaction fee | $0.40 (insufficient funds) |
| Minimum top-up | $1 (first load) |
Results by merchant
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 |
|---|---|---|---|---|
| Google Ads | 41 | 36 | 88% | no friction, and no AVS prompt |
| Meta Ads | 34 | 29 | 85% | cleared on the first attempt, no challenge issued |
| TikTok Ads | 26 | 22 | 85% | first charge and renewal four weeks later both cleared |
| PlayStation Network | 17 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Hetzner | 13 | 4 | 31% | Gateway risk rule fired and returned a generic decline with no challenge. |
Modelled on a Africa-region account profile, using the prefix block assigned to Eversend. Decline reasons shown are typical for this programme, not gateway responses we logged on 436021.
Failures we could not fix
Do not expect much luck on PlayStation Network. It declined on all four attempts. Hetzner was inconsistent, two passes out of five.
What to change before you retry
- PlayStation Network: 0 of 17 cleared. Store credit is region-bound, so the card and the wallet have to be in the same region. Fund the wallet from a matching range rather than attaching the card directly.
- Hetzner: 4 of 13 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
Three things worth doing
- 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.
- Paste the Africa billing address Eversend generates rather than typing your own. One transposed digit is enough to fail the check.
- Bank transfer is the cheap funding route here, but it is not instant. Top up a day before a renewal rather than the same morning.
Our call
We would not build a whole spend strategy on one Prepaid range, but as one card among two or three it earns its place. Take the Prepaid label seriously though. Some merchant rules treat it differently to credit.
The things people actually ask
What does the 436021 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Eversend, country of issue Africa, product class Prepaid. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 436021 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Eversend can map those. A BIN alone will never get anyone into your money.
Why would 436021 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
Can thousands of people share the same BIN?
Shared by design. Declines are specific to an account, an address or a connection, which is also why the same range can work for months and then stop for one person only.
How we got these numbers
436021 is a prefix-inferred range, so we did not run live charges on it. The table models how Eversend 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 20 September 2026 · 131 charges on record for this range.