445280 BIN Check - Lithuania Visa Debit Card
231 of 323 attempts cleared, and most of those came from three merchants: Google Play, Epic Games Store, App Store.
The first thing to know about 445280 is that it is not an anonymous range. Satsrefill issues it in Lithuania and the Visa prefix is registered, which is why fewer merchants treat it as high risk.
Reading the 445280 prefix
- BIN
- 445280
- Card network
- Visa
- Issuing country
- Lithuania
- Card type
- Debit
- Issued by
- Satsrefill
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Crypto
- Max cards per account
- Multiple
- Issuer risk rating
- High
Running costs
The money side is simple: no issuance fee, no top-up fee, and no FX markup on anything billed outside USD. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
What passed and what did 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 |
|---|---|---|---|---|
| Google Play | 103 | 96 | 93% | cleared on the first attempt, no challenge issued |
| Epic Games Store | 83 | 71 | 86% | cleared, 3-D Secure completed in-app in under 20 seconds |
| App Store | 64 | 52 | 81% | cleared on the first attempt, no challenge issued |
| Nintendo eShop | 41 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| StockX | 32 | 12 | 38% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Lithuania-region account between 30 Jul to 20 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: Nintendo eShop 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
- Nintendo eShop: 0 of 41 cleared. eShop wallets lock to the account region and fail at the top-up step rather than at purchase. Change the account region first, then attach the card.
- StockX: 12 of 32 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.
Practical notes
- Paste the Lithuania billing address Satsrefill generates rather than typing your own. One transposed digit is enough to fail the check.
- 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.
- 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.
What the numbers add up to
If your merchants are mostly in Lithuania, 445280 is a reasonable default. If they are not, the no FX markup conversion cost will annoy you. Nothing here makes it the best option, and nothing makes it a bad one.
BIN questions, answered
What does the 445280 BIN tell a merchant?
Roughly: who issued it, where, and what kind of product it is. Most declines we log happen at this step, which is why swapping the range fixes problems that changing the balance never does.
Is 445280 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Satsrefill can map those. A BIN alone will never get anyone into your money.
Why would 445280 be declined if the range is fine?
Of the 323 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 445280.
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 Satsrefill card, funded it, and pushed 323 charges through live merchant checkout pages between 30 Jul to 20 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 231 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 25 August 2026 · 323 charges on record for this range.