469739 Virtual Card Review - United Arab Emirates Visa Debit
63 of 91 attempts cleared, and most of those came from three merchants: App Store, Steam, Epic Games Store.
Pera runs this range for United Arab Emirates. Six digits, Debit classification, Visa rails. Nothing clever about it, which is exactly why it keeps clearing.
469739 in plain terms
- BIN
- 469739
- Card network
- Visa
- Issuing country
- United Arab Emirates
- Card type
- Debit
- Issued by
- Pera
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Crypto
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
What you pay, line by line
On a monthly subscription the maths is easy: no issuance fee once, then no top-up fee. It only starts to bite when you fund the card repeatedly. 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 | — |
The test results
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| App Store | 29 | 26 | 90% | cleared on the first attempt, no challenge issued |
| Steam | 23 | 20 | 87% | first charge and renewal four weeks later both cleared |
| Epic Games Store | 18 | 14 | 78% | first charge and renewal four weeks later both cleared |
| Nike US | 11 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Sephora US | 10 | 3 | 30% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Run from a United Arab Emirates-region account between 04 Jul to 29 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
One honest caveat: Nike US returned a generic decline on all attempts, and we could not determine the cause. Treat it as untested rather than blocked.
What to change before you retry
- Nike US: 0 of 11 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.
- Sephora US: 3 of 10 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.
Before you try it
- Set the billing address to exactly what Pera generates for United Arab Emirates. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
- 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
Overall a solid Debit range for United Arab Emirates-region accounts. Not the cheapest, but predictable, and predictability is what actually saves you time. Treat the numbers here as a snapshot of 8 weeks, not a permanent rating.
What people ask us
What does the 469739 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Pera, country of issue United Arab Emirates, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 469739 a real card number?
No, and this trips people up. 469739 is a range identifier shared across every card Pera issues in United Arab Emirates. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 469739 be declined if the range is fine?
Of the 91 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 469739.
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
We bought a Pera card, funded it, and pushed 91 charges through live merchant checkout pages between 04 Jul to 29 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 63 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 31 August 2026 · 91 charges on record for this range.