445079 BIN Check - Ireland Visa Debit Card
Strongest results on Steam, Google Play, Epic Games Store. Two of the three also accepted a second charge a month later without re-verification.
Decaf Card issues 445079 out of Ireland. Classed Debit, runs on Visa.
445079 in plain terms
- BIN
- 445079
- Card network
- Visa
- Issuing country
- Ireland
- Card type
- Debit
- Issued by
- Decaf Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Self-custody
- Funding methods
- Crypto
- Max cards per account
- Not published
- Issuer risk rating
- Medium-High
What you pay, line by line
Compared with the rest of the directory this sits mid-table. $5 virtual to open, no top-up fee to fund, and no FX markup on conversion. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | $5 virtual; $10 physical (US); $90 physical (intl) |
|---|---|
| Monthly fee | — |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
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 |
|---|---|---|---|---|
| Steam | 83 | 76 | 92% | went through on a fresh card with the issuer's default address |
| Google Play | 67 | 58 | 87% | cleared on the first attempt, no challenge issued |
| Epic Games Store | 52 | 42 | 81% | went through on a fresh card with the issuer's default address |
| Sephora US | 33 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Best Buy | 26 | 9 | 35% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a Ireland-region account between 04 Aug to 08 Sep 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
Two merchants gave us trouble, Sephora US and Best Buy. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- Sephora US: 0 of 33 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: 9 of 26 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.
Before you try it
- This is an anonymous-account product. There is no meaningful account recovery, so export the card details and the billing address the moment you create them.
- Use the Ireland address Decaf Card gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
Final word
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. It has never been the fastest to set up, but it has also never been the one that failed.
BIN questions, answered
What does the 445079 BIN tell a merchant?
In practice the checkout reads Decaf Card / Ireland / 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 445079 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Decaf Card can map those. A BIN alone will never get anyone into your money.
Why would 445079 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 Decaf Card issues in Ireland carries the same six digits. Two people on 445079 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
We bought a Decaf Card card, funded it, and pushed 261 charges through live merchant checkout pages between 04 Aug to 08 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 185 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 10 September 2026 · 261 charges on record for this range.