448487 Virtual Card Review - Nigeria Visa Credit
Straight runs on Google Play, Epic Games Store, Steam. No 3-D Secure loops, no AVS rejections, no manual review flags.
Short entry for a range that punches above its weight. 448487 comes from ALAT by Wema, Nigeria, Visa, Credit. It is the card we hand people who have already failed twice elsewhere.
What the six digits say
- BIN
- 448487
- Card network
- Visa
- Issuing country
- Nigeria
- Card type
- Credit
- Issued by
- ALAT by Wema
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Nigeria
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
What you pay, line by line
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 | — |
What passed and what did not
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 |
|---|---|---|---|---|
| Google Play | 36 | 33 | 92% | went through on a fresh card with the issuer's default address |
| Epic Games Store | 29 | 25 | 86% | cleared on the first attempt, no challenge issued |
| Steam | 22 | 18 | 82% | went through on a fresh card with the issuer's default address |
| Nike US | 14 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Crunchyroll | 12 | 4 | 33% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Nigeria-region account between 04 Aug to 01 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
Failures were rare but real: Nike US declined on three attempts, and we never did get it through.
What to change before you retry
- Nike US: 0 of 14 cleared. Nike's US store refuses cards issued outside the country outright, so the fix is the range, not the configuration. A domestic-issued range clears; a foreign one never will.
- Crunchyroll: 4 of 12 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.
Setup notes for ALAT by Wema
- 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.
- Bank transfer is the cheap funding route here, but it is not instant. Top up a day before a renewal rather than the same morning.
- Use the Nigeria address ALAT by Wema gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
What the numbers add up to
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. Treat the numbers here as a snapshot of 4 weeks, not a permanent rating.
BIN questions, answered
What does the 448487 BIN tell a merchant?
In practice the checkout reads ALAT by Wema / Nigeria / Credit 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 448487 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 448487 be declined if the range is fine?
Of the 113 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 448487.
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 ALAT by Wema card, funded it, and pushed 113 charges through live merchant checkout pages between 04 Aug to 01 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 80 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 03 September 2026 · 113 charges on record for this range.