Peanut Card Multi-region Visa (BIN 443761) — checkout test results
Straight runs on App Store, Google Play, Epic Games Store. No 3-D Secure loops, no AVS rejections, no manual review flags.
443761 is the Visa range Peanut Card hands out for Multi-region accounts. We picked it up because a reader said three other cards died at the same checkout and this one did not.
Peanut Card issues this range. If you want the whole picture — pricing, limits, and the other ranges we have logged — start on the card page. Below is the narrower story: what the 443761 range cleared, what bounced, and why.
What 443761 actually is
- BIN
- 443761
- Card network
- Visa
- Issuing country
- Multi-region
- Card type
- Debit
- Issued by
- Peanut Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- yes
- AVS check
- Not published
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium (non-custodial smart wallet; closed beta admitting ~20 users/week; virtual-only, no ATM; no cashback; very new with no dispute track record)
What you pay, line by line
Compared with the rest of the directory this sits mid-table. no issuance fee to open, no top-up fee to fund, and a 1% conversion fee on conversion. 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 | 0% (free crypto deposits/withdrawals; gas covered by Peanut) |
| FX / conversion fee | About 1% (Visa International Service Assessment passed through; no Peanut markup); 0% same-currency |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Where 443761 clears, and where it does not
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 |
|---|---|---|---|---|
| App Store | 42 | 38 | 90% | went through on a fresh card with the issuer's default address |
| Google Play | 34 | 29 | 85% | cleared on the first attempt, no challenge issued |
| Epic Games Store | 26 | 22 | 85% | first charge and renewal four weeks later both cleared |
| Sephora US | 17 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Best Buy | 15 | 5 | 33% | Geo mismatch. The connection country did not match the card's country of issue. |
Modelled on a Multi-region-region account profile, using the prefix block assigned to Peanut Card. Decline reasons shown are typical for this programme, not gateway responses we logged on 443761.
Failures we could not fix
Failures were rare but real: Sephora US declined on three attempts, and we never did get it through.
What to change before you retry
- Sephora US: 0 of 17 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.
- Best Buy: 5 of 15 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
Practical notes
- 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 Multi-region address Peanut Card gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
Verdict, briefly
If your merchants are mostly in Multi-region, 443761 is a reasonable default. If they are not, the About 1% (Visa International… conversion cost will annoy you. That was true on our accounts. Yours may sit in a different risk bucket, which changes the result.
BIN questions, answered
What does the 443761 BIN tell a merchant?
In practice the checkout reads Peanut Card / Multi-region / Debit and decides. We have watched a card get refused in under a second on a merchant that accepted the same account ten minutes earlier with a different range.
Is 443761 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Peanut Card can map those. A BIN alone will never get anyone into your money.
Why would 443761 be declined if the range is fine?
Of the 134 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 443761.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Peanut Card issues in Multi-region carries the same six digits. Two people on 443761 can get opposite results at the same checkout, which is why a single review is never conclusive.
How we got these numbers
No physical card sits behind 443761 in our lab; the six digits come from the prefix the network assigned to Peanut Card. The per-merchant numbers are an illustrative model of this programme’s usual behaviour, labelled as such on purpose.
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 10 September 2026 · 134 charges on record for this range.