450814 BIN Check - Nigeria Visa Debit Card
It works on YouTube Premium, Steam, App Store. Those three account for most of the 96 successful charges we recorded.
450814 is one of Paga's Nigeria ranges, a Debit product on Visa.
450814, decoded
- BIN
- 450814
- Card network
- Visa
- Issuing country
- Nigeria
- Card type
- Debit
- Issued by
- Paga
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
What you pay, line by line
Budget for $3.76 + VAT (USD card), a 1.2% top-up fee, and a ₦500 (insufficient funds) penalty on declined authorizations. That last one only matters if you are pushing a lot of small charges. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | $3.76 + VAT (USD card) |
|---|---|
| Monthly fee | $1.08 (USD card, incl. tax) |
| Top-up fee | 1.2% |
| FX / conversion fee | — |
| Declined transaction fee | ₦500 (insufficient funds) |
| Minimum top-up | — |
Results by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| YouTube Premium | 43 | 39 | 91% | cleared first time; a second charge a week later also went through |
| Steam | 35 | 30 | 86% | cleared first time; a second charge a week later also went through |
| App Store | 27 | 22 | 81% | first charge and renewal four weeks later both cleared |
| Target | 17 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| iHerb | 15 | 5 | 33% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Nigeria-region account between 25 Jun 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
Two merchants gave us trouble, Target and iHerb. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- Target: 0 of 17 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.
- iHerb: 5 of 15 cleared. iHerb checks the card's country on the payment step rather than at checkout, so the decline looks sudden. Fix the address first, then the range.
Do these first
- 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.
- Paste the Nigeria billing address Paga generates rather than typing your own. One transposed digit is enough to fail the check.
- 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.
Where we land
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. For the price it is hard to argue with, provided you can live with the 1.2% funding cost.
What people ask us
What does the 450814 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Paga, 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 450814 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 450814 be declined if the range is fine?
Of the 137 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 450814.
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.
How this test was run
We bought a Paga card, funded it, and pushed 137 charges through live merchant checkout pages between 25 Jun 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. 96 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 22 August 2026 · 137 charges on record for this range.