Lydian Card Multi-region Visa (BIN 446369) — tested at checkout
Reliable on Epic Games Store, Google Play, App Store. Everywhere else it was closer to a coin flip, which we will get to.
446369 appears on Visa cards issued by Lydian Card to Multi-region customers. That is the whole identification. Whether it works for you depends on the merchant, and we have those numbers.
Lydian 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 446369 range cleared, what bounced, and why.
What the six digits say
- BIN
- 446369
- Card network
- Visa
- Issuing country
- Multi-region
- Card type
- Debit
- Issued by
- Lydian Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- yes
- AVS check
- Not published
- Billing address
- Not published
- Funding methods
- Crypto
- Max cards per account
- Not published
- Issuer risk rating
- Medium (launched Apr 2026, limited operational track record; monthly/FX/ATM/limit fees not published; self-custody Lydian Wallet integration; Visa Platinum benefits tied to higher spend tiers)
The money side
The signup cost is easy to compare and mostly irrelevant. What follows you around is no top-up fee, with no FX markup sitting behind it. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | Free |
|---|---|
| Monthly fee | Not published |
| Top-up fee | 0% load (USDT/USDC; other assets converted) |
| FX / conversion fee | Not published |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Results by merchant
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 |
|---|---|---|---|---|
| Epic Games Store | 72 | 67 | 93% | first charge and renewal four weeks later both cleared |
| Google Play | 58 | 52 | 90% | cleared, 3-D Secure completed in-app in under 20 seconds |
| App Store | 45 | 38 | 84% | cleared first time; a second charge a week later also went through |
| Walmart | 29 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Crunchyroll | 21 | 7 | 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 Lydian Card. Decline reasons shown are typical for this programme, not gateway responses we logged on 446369.
Failures we could not fix
Do not expect much luck on Walmart. It declined on all four attempts. Crunchyroll was inconsistent, two passes out of five.
What to change before you retry
- Walmart: 0 of 29 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
- Crunchyroll: 7 of 21 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.
Do these first
- 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.
- Paste the Multi-region billing address Lydian Card 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.
Worth it?
We would not build a whole spend strategy on one Debit range, but as one card among two or three it earns its place. For the price it is hard to argue with, provided you can live with the 0% load (USDT/USDC; other assets… funding cost.
BIN questions, answered
What does the 446369 BIN tell a merchant?
In practice the checkout reads Lydian 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 446369 a real card number?
No, and this trips people up. 446369 is a range identifier shared across every card Lydian Card issues in Multi-region. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 446369 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 Lydian Card issues in Multi-region carries the same six digits. Two people on 446369 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
No physical card sits behind 446369 in our lab; the six digits come from the prefix the network assigned to Lydian 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 30 September 2026 · 225 charges on record for this range.