Meru Card United States Visa Debit (BIN 451128) — checkout test results
Best hit rate in our run: Disney+, Steam, YouTube Premium. Timestamps in the log, no retries needed.
This range belongs to Meru Card. Issued out of United States on Visa, classed as Debit by most acquirers.
Meru 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 451128 range cleared, what bounced, and why.
What the six digits say
- BIN
- 451128
- Card network
- Visa
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Meru Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- Not published
- Billing address
- US
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
Costs, stacked up
The money side is simple: an undisclosed issuance fee, a 1% top-up fee, and no FX markup on anything billed outside USD. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | Not disclosed by issuer |
|---|---|
| Monthly fee | Free |
| Top-up fee | 1% |
| FX / conversion fee | 0% |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Where 451128 clears, and where it does not
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Disney+ | 89 | 84 | 94% | no friction, and no AVS prompt |
| Steam | 72 | 61 | 85% | cleared first time; a second charge a week later also went through |
| YouTube Premium | 55 | 46 | 84% | cleared on the first attempt, no challenge issued |
| iHerb | 36 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Crunchyroll | 27 | 10 | 37% | Soft decline on the retry after an earlier failure on the same account. |
Modelled on a United States-region account profile, using the prefix block assigned to Meru Card. Decline reasons shown are typical for this programme, not gateway responses we logged on 451128.
Failures we could not fix
Failures were rare but real: iHerb declined on three attempts, and we never did get it through.
What to change before you retry
- iHerb: 0 of 36 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.
- Crunchyroll: 10 of 27 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.
Getting it to work first time
- This range does not advertise 3-D Secure. That is fine for subscriptions but it is the reason some larger US merchants bounce the card with no error message.
- 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.
- Use the United States address Meru Card gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Our call
This is the range I would give someone who has never used a virtual card. Low balance requirement and the failure modes are easy to diagnose. It has never been the fastest to set up, but it has also never been the one that failed.
What people ask us
What does the 451128 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 451128 a real card number?
No, and this trips people up. 451128 is a range identifier shared across every card Meru Card issues in United States. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 451128 be declined if the range is fine?
Of the 279 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 451128.
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 we got these numbers
No physical card sits behind 451128 in our lab; the six digits come from the prefix the network assigned to Meru 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 29 September 2026 · 279 charges on record for this range.