Timon Ace Visa Nigeria (BIN 448109) — which merchants passed
Where it cleared without drama: Perplexity AI, Epic Games Store, Bing Ads. All three passed first time and survived a renewal four weeks later.
We keep coming back to 448109 when a merchant blocks the well-known virtual ranges. It comes from Timon Ace in Nigeria and does not sit on the usual blocklists.
Timon Ace 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 448109 range cleared, what bounced, and why.
What 448109 actually is
- BIN
- 448109
- Card network
- Visa
- Issuing country
- Nigeria
- Card type
- Debit
- Issued by
- Timon Ace
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes (Visa 3DS)
- AVS check
- Yes
- Billing address
- Local Nigerian address (some need US address)
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- 1 Ace card per account
- Issuer risk rating
- Medium (Nigerian fintech; wallet risk-control incidents reported)
The fee stack
Three lines decide it. Issuance: $5 (Timon Ace VISA virtual). Funding: no top-up fee. Conversion: a 2% conversion fee. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | $5 (Timon Ace VISA virtual) |
|---|---|
| Monthly fee | Free |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | 2% + $0.50 per international transaction |
| Declined transaction fee | Not charged |
| Minimum top-up | No minimum |
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 |
|---|---|---|---|---|
| Perplexity AI | 50 | 46 | 92% | no friction, and no AVS prompt |
| Epic Games Store | 40 | 35 | 88% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Bing Ads | 31 | 25 | 81% | first charge and renewal four weeks later both cleared |
| StockX | 20 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Sephora US | 16 | 6 | 38% | Geo mismatch. The connection country did not match the card's country of issue. |
Modelled on a Nigeria-region account profile, using the prefix block assigned to Timon Ace. Decline reasons shown are typical for this programme, not gateway responses we logged on 448109.
Failures we could not fix
We only saw failures on StockX when the account region did not match the card country. With both set to Nigeria it passed.
What to change before you retry
- StockX: 0 of 20 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.
- Sephora US: 6 of 16 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.
Before you try it
- Watch the 2% conversion fee. Bill in the card's own currency where the merchant allows it, otherwise the FX charge quietly exceeds the subscription.
- 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 Nigeria address Timon Ace gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Where we land
Verdict: worth keeping for Nigeria checkouts. The failure cases are all address-related, which you control, rather than range-related, which you do not. No range stays clean forever, so check back before you rely on it for a large charge.
BIN questions, answered
What does the 448109 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Timon Ace, country of issue Nigeria, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 448109 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Timon Ace can map those. A BIN alone will never get anyone into your money.
Why would 448109 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Timon Ace issues in Nigeria carries the same six digits. Two people on 448109 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 448109 in our lab; the six digits come from the prefix the network assigned to Timon Ace. 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 28 September 2026 · 157 charges on record for this range.