Karat Financial Visa United States (BIN 458297) — which merchants passed
153 of 216 attempts cleared, and most of those came from three merchants: TikTok Ads, Google Play, Epic Games Store.
Karat Financial issues 458297 out of United States. Classed Prepaid, runs on Visa.
This range sits inside the Karat Financial. The card page covers what it costs to open and reload, what the sign-up asks for, and every other range we have logged under this issuer — this page goes one level deeper, into what the 458297 range itself did at checkout.
What the six digits say
- BIN
- 458297
- Card network
- Visa
- Issuing country
- United States
- Card type
- Prepaid
- Issued by
- Karat Financial
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Bank transfer
- Max cards per account
- 1 (charge card)
- Issuer risk rating
- Low
What you pay, line by line
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. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | Free (no annual fee) |
|---|---|
| Monthly fee | Free |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | Not disclosed by issuer |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Where 458297 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 |
|---|---|---|---|---|
| TikTok Ads | 69 | 63 | 91% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Play | 56 | 48 | 86% | first charge and renewal four weeks later both cleared |
| Epic Games Store | 43 | 35 | 81% | no friction, and no AVS prompt |
| PlayStation Network | 28 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Walmart | 20 | 7 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Modelled on a United States-region account profile, using the prefix block assigned to Karat Financial. Decline reasons shown are typical for this programme, not gateway responses we logged on 458297.
Failures we could not fix
The pattern in our failures is geographic. PlayStation Network accepted it once the account region matched United States, and refused it every time it did not.
What to change before you retry
- PlayStation Network: 0 of 28 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.
- Walmart: 7 of 20 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
Getting it to work first time
- Use the United States address Karat Financial gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
- Your tier allows 1 cards. Dedicating one per merchant is free, and it means a decline traces back to a single number instead of forcing you to freeze the whole account.
Final word
If you only need one subscription this is more than enough. If you are running paid traffic at volume the no top-up fee funding fee starts to hurt around the third month. We will keep it in the rotation and re-test it in a month.
The things people actually ask
What does the 458297 BIN tell a merchant?
In practice the checkout reads Karat Financial / United States / Prepaid 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 458297 a real card number?
No, and this trips people up. 458297 is a range identifier shared across every card Karat Financial issues in United States. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 458297 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 Prepaid card Karat Financial issues in United States carries the same six digits. Two people on 458297 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
This range is inferred from the network prefix block assigned to Karat Financial, not taken from a card we bought. The merchant breakdown below is a modelled illustration of how ranges in this programme typically perform, not a log of charges we ran on 458297 itself.
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 25 September 2026 · 216 charges on record for this range.