454637 Virtual Card Review - Argentina Visa Debit
The range did well against App Store, Google Play, Epic Games Store. We logged 208 successful authorizations out of 295 attempts across the test window.
Short entry for a range that punches above its weight. 454637 comes from Lemon, Argentina, Visa, Debit. It is the card we hand people who have already failed twice elsewhere.
What 454637 actually is
- BIN
- 454637
- Card network
- Visa
- Issuing country
- Argentina
- Card type
- Debit
- Issued by
- Lemon
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Argentina/LATAM
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
What it costs to run
Budget for no issuance fee, no top-up fee, and a no decline fee penalty on declined authorizations. That last one only matters if you are pushing a lot of small charges. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
The test results
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| App Store | 94 | 84 | 89% | no friction, and no AVS prompt |
| Google Play | 76 | 66 | 87% | first charge and renewal four weeks later both cleared |
| Epic Games Store | 59 | 48 | 81% | first charge and renewal four weeks later both cleared |
| Sephora US | 38 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Hulu | 28 | 10 | 36% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a Argentina-region account between 11 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
Sephora US rejected it outright. We could not tell whether that was the BIN or our test account being flagged, so we are leaving it as unresolved.
What to change before you retry
- Sephora US: 0 of 38 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
- Hulu: 10 of 28 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
Getting it to work first time
- 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.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Use the Argentina address Lemon gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Where we land
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. We would put it in the second tier. Reliable, unremarkable, and cheap enough to keep around.
BIN questions, answered
What does the 454637 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 454637 a real card number?
No, and this trips people up. 454637 is a range identifier shared across every card Lemon issues in Argentina. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 454637 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?
That is the normal case. Every Debit card Lemon issues in Argentina carries the same six digits. Two people on 454637 can get opposite results at the same checkout, which is why a single review is never conclusive.
How we got these numbers
We bought a Lemon card, funded it, and pushed 295 charges through live merchant checkout pages between 11 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. 208 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 · 295 charges on record for this range.