451774 VCC - Latin America Visa Virtual Card Review
Tested across 9 weeks. Google Play, Epic Games Store, Steam held at or above 190 passes, and the failures clustered on two merchants only.
This range belongs to Airtm. Issued out of Latin America on Visa, classed as Debit by most acquirers.
451774 in plain terms
- BIN
- 451774
- Card network
- Visa
- Issuing country
- Latin America
- Card type
- Debit
- Issued by
- Airtm
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- LATAM/Global
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
The money side
Pricing, laid out: no issuance fee to open a card, no top-up fee every time you fund it, and no FX markup on conversion. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Play | 83 | 77 | 93% | cleared on the first attempt, no challenge issued |
| Epic Games Store | 67 | 60 | 90% | cleared on the first attempt, no challenge issued |
| Steam | 52 | 44 | 85% | no friction, and no AVS prompt |
| PlayStation Network | 33 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| GOAT | 26 | 9 | 35% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a Latin America-region account between 05 Jul to 06 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
The weak spot is PlayStation Network, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- PlayStation Network: 0 of 33 cleared. Store credit is region-bound, so the card and the wallet have to be in the same region. Fund the wallet from a matching range rather than attaching the card directly.
- GOAT: 9 of 26 cleared. Same mechanic as StockX: funds are captured on seller acceptance. Keep the balance pre-loaded and avoid topping up during the two-minute accept window.
Getting it to work first time
- 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.
- 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.
- Set the billing address to exactly what Airtm generates for Latin America. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
What the numbers add up to
We would not build a whole spend strategy on one Debit range, but as one card among two or three it earns its place. If you find a merchant where it behaves differently, tell us and we will add it to the log.
What people ask us
What does the 451774 BIN tell a merchant?
In practice the checkout reads Airtm / Latin America / 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 451774 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 451774 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?
Yes, and it is worth internalising. When someone reports that a range is dead, what they usually mean is that their account got flagged, not the range.
What we did
We bought a Airtm card, funded it, and pushed 261 charges through live merchant checkout pages between 05 Jul to 06 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 190 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 11 September 2026 · 261 charges on record for this range.