462634 Virtual Card Review - United States Visa Debit
The range did well against App Store, Google Play, Epic Games Store. We logged 111 successful authorizations out of 154 attempts across the test window.
462634 is the Visa range UR Card hands out for United States accounts. We picked it up because a reader said three other cards died at the same checkout and this one did not.
What the six digits say
- BIN
- 462634
- Card network
- Visa
- Issuing country
- United States
- Card type
- Debit
- Issued by
- UR Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low
What it costs to run
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. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
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 | 49 | 46 | 94% | cleared first time; a second charge a week later also went through |
| Google Play | 40 | 35 | 88% | cleared first time; a second charge a week later also went through |
| Epic Games Store | 30 | 25 | 83% | went through on a fresh card with the issuer's default address |
| Walmart | 20 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Best Buy | 15 | 5 | 33% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a United States-region account between 16 Jul to 20 Aug 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
Do not expect much luck on Walmart. It declined on all four attempts. Best Buy was inconsistent, two passes out of five.
What to change before you retry
- Walmart: 0 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.
- Best Buy: 5 of 15 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
Practical notes
- Set the billing address to exactly what UR Card generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
Our call
Verdict: worth keeping for United States checkouts. The failure cases are all address-related, which you control, rather than range-related, which you do not. Treat the numbers here as a snapshot of 5 weeks, not a permanent rating.
What people ask us
What does the 462634 BIN tell a merchant?
In practice the checkout reads UR Card / United States / 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 462634 a real card number?
No, and this trips people up. 462634 is a range identifier shared across every card UR Card issues in United States. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 462634 be declined if the range is fine?
Of the 154 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 462634.
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.
Test setup
We bought a UR Card card, funded it, and pushed 154 charges through live merchant checkout pages between 16 Jul to 20 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 111 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 22 August 2026 · 154 charges on record for this range.