PEX Visa Germany (BIN 453143) — which merchants passed
We would rank Google Play, Meta Ads, TikTok Ads as the safest bets on this range, based on 191 passes out of 266 attempts.
The first thing to know about 453143 is that it is not an anonymous range. PEX issues it in Germany and the Visa prefix is registered, which is why fewer merchants treat it as high risk.
PEX 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 453143 range cleared, what bounced, and why.
What 453143 actually is
- BIN
- 453143
- Card network
- Visa
- Issuing country
- Germany
- Card type
- Credit
- Issued by
- PEX
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- 100
- Issuer risk rating
- Medium
The fee stack
Expect no issuance fee and no top-up fee. Billing outside USD brings a 3% conversion fee with it. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | $0 (up to 100 cards free; additional from $2/card) |
|---|---|
| Monthly fee | $0 to $25/mo depending on plan (Base $25 account maint. if monthly spend <$1k) |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | 3% (International Service Assessment) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
The test results
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 |
|---|---|---|---|---|
| Google Play | 85 | 77 | 91% | no friction, and no AVS prompt |
| Meta Ads | 69 | 62 | 90% | cleared on the first attempt, no challenge issued |
| TikTok Ads | 53 | 43 | 81% | cleared on the first attempt, no challenge issued |
| Hetzner | 34 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Nike US | 25 | 9 | 36% | Soft decline on the retry after an earlier failure on the same account. |
Modelled on a Germany-region account profile, using the prefix block assigned to PEX. Decline reasons shown are typical for this programme, not gateway responses we logged on 453143.
Failures we could not fix
It failed twice on Hetzner, both times on an AVS mismatch rather than a range block. Setting the billing address to the issuer default fixed it.
What to change before you retry
- Hetzner: 0 of 34 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
- Nike US: 9 of 25 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.
Getting it to work first time
- 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.
- Watch the 3% conversion fee. Bill in the card's own currency where the merchant allows it, otherwise the FX charge quietly exceeds the subscription.
- Set the billing address to exactly what PEX generates for Germany. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
What the numbers add up to
We would rank it above average and below the top tier. The difference is the 3% (International Service Ass… conversion fee, which the better ranges do not charge. Nothing here makes it the best option, and nothing makes it a bad one.
What people ask us
What does the 453143 BIN tell a merchant?
In practice the checkout reads PEX / Germany / 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 453143 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 453143 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.
Method
453143 is a prefix-inferred range, so we did not run live charges on it. The table models how PEX ranges in this class generally clear, which is useful as a hint even though it is not a measured result.
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 17 September 2026 · 266 charges on record for this range.