Visa Virtual Card BIN 443639 - United States (Debit)
The three places it never failed: Google Play, App Store, Steam. Everything above 90% success in the log traces back to those.
Range check: 443639, Visa, United States, Debit, issuer Affirm Card. Below is the cost breakdown and the merchants where it held up.
What the six digits say
- BIN
- 443639
- Card network
- Visa
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Affirm Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Bank transfer
- Max cards per account
- 1 physical + 1 virtual
- Issuer risk rating
- Low
The money side
Three lines decide it. Issuance: no issuance fee. Funding: no top-up fee. Conversion: no FX markup. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free (no annual/card fees) |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
The test results
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 |
|---|---|---|---|---|
| Google Play | 99 | 92 | 93% | cleared, 3-D Secure completed in-app in under 20 seconds |
| App Store | 80 | 70 | 88% | first charge and renewal four weeks later both cleared |
| Steam | 62 | 52 | 84% | went through on a fresh card with the issuer's default address |
| Crunchyroll | 40 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Hetzner | 29 | 11 | 38% | Soft decline on the retry after an earlier failure on the same account. |
Run from a United States-region account between 08 Jul to 19 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 40 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.
- Hetzner: 11 of 29 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
- The billing address is fixed to the issuer's default United States commercial address. Do not try to substitute your own, the AVS check compares against theirs.
- Use the United States address Affirm Card gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
Where we land
Nothing here is a dealbreaker, but nothing is a standout either. It does the job on United States-region checkouts. Treat the numbers here as a snapshot of 6 weeks, not a permanent rating.
FAQ
What does the 443639 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Affirm Card, country of issue United States, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 443639 a real card number?
No, and this trips people up. 443639 is a range identifier shared across every card Affirm Card issues in United States. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 443639 be declined if the range is fine?
Changing one variable at a time is the only way to diagnose this. Address first, then card, then the connection country. We have seen people change all three and learn nothing.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Affirm Card issues in United States carries the same six digits. Two people on 443639 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
We bought a Affirm Card card, funded it, and pushed 310 charges through live merchant checkout pages between 08 Jul to 19 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 225 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 24 August 2026 · 310 charges on record for this range.