445537 Virtual Card Review - Latin America Visa Debit
Reliable on App Store, Google Play, Epic Games Store. Everywhere else it was closer to a coin flip, which we will get to.
If you have a Visa card from Fuse that starts with 445537, this page is about your card. Country of issue is Latin America, product class is Debit.
445537 in plain terms
- BIN
- 445537
- Card network
- Visa
- Issuing country
- Latin America
- Card type
- Debit
- Issued by
- Fuse
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- US/LATAM
- Funding methods
- Crypto
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
The fee stack
Compared with the rest of the directory this sits mid-table. no issuance fee to open, no top-up fee to fund, and no FX markup on conversion. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
The test results
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 |
|---|---|---|---|---|
| App Store | 37 | 33 | 89% | cleared on the first attempt, no challenge issued |
| Google Play | 30 | 27 | 90% | no friction, and no AVS prompt |
| Epic Games Store | 23 | 19 | 83% | first charge and renewal four weeks later both cleared |
| PlayStation Network | 15 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Target | 11 | 4 | 36% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a Latin America-region account between 15 Jul to 02 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
One honest caveat: PlayStation Network 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
- PlayStation Network: 0 of 15 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.
- Target: 4 of 11 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
Three things worth doing
- Paste the Latin America billing address Fuse generates rather than typing your own. One transposed digit is enough to fail the check.
- 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.
- 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
Overall a solid Debit range for Latin America-region accounts. Not the cheapest, but predictable, and predictability is what actually saves you time. Nothing here makes it the best option, and nothing makes it a bad one.
What people ask us
What does the 445537 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 445537 a real card number?
Six digits of a sixteen-digit number. You can post it publicly without consequence; what you must never post is the full number plus the CVV.
Why would 445537 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?
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.
What we did
We bought a Fuse card, funded it, and pushed 116 charges through live merchant checkout pages between 15 Jul to 02 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 83 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 05 September 2026 · 116 charges on record for this range.