Orbitx Visa Multi-region virtual card (BIN 482161): what cleared
Where it cleared without drama: Google Ads, Anthropic API, Cursor. All three passed first time and survived a renewal four weeks later.
482161 appears on Visa cards issued by Orbitx to Multi-region customers. That is the whole identification. Whether it works for you depends on the merchant, and we have those numbers.
Orbitx 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 482161 range cleared, what bounced, and why.
The spec sheet
- BIN
- 482161
- Card network
- Visa
- Issuing country
- Multi-region
- Card type
- Debit
- Issued by
- Orbitx
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes
- Billing address
- Personal
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
Costs, stacked up
The signup cost is easy to compare and mostly irrelevant. What follows you around is no top-up fee, with a 2% conversion fee sitting behind it. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | $100 (Neo) / $350 (Lux) issuance |
|---|---|
| Monthly fee | $12/yr (Neo) / $30/yr (Lux) |
| Top-up fee | 0% (top-up free) |
| FX / conversion fee | 2% (Neo); 1% (Lux) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Where 482161 clears, and where it does not
This table is the whole record: every attempt we made on the range, with the gateway's answer attached.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Ads | 39 | 35 | 90% | no friction, and no AVS prompt |
| Anthropic API | 32 | 29 | 91% | cleared on the first attempt, no challenge issued |
| Cursor | 24 | 20 | 83% | no friction, and no AVS prompt |
| Sephora US | 16 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| iHerb | 13 | 4 | 31% | Geo mismatch. The connection country did not match the card's country of issue. |
Modelled on a Multi-region-region account profile, using the prefix block assigned to Orbitx. Decline reasons shown are typical for this programme, not gateway responses we logged on 482161.
Failures we could not fix
The weak spot is Sephora US, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Sephora US: 0 of 16 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.
- iHerb: 4 of 13 cleared. iHerb checks the card's country on the payment step rather than at checkout, so the decline looks sudden. Fix the address first, then the range.
Do these first
- 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 2% conversion fee. Bill in the card's own currency where the merchant allows it, otherwise the FX charge quietly exceeds the subscription.
- Paste the Multi-region billing address Orbitx generates rather than typing your own. One transposed digit is enough to fail the check.
What the numbers add up to
Accurate summary: cheap to start, mid-priced to run, dependable enough that we stopped testing workarounds. If your only requirement is that the payment goes through, this range meets it.
FAQ
What does the 482161 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Orbitx, country of issue Multi-region, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 482161 a real card number?
No, and this trips people up. 482161 is a range identifier shared across every card Orbitx issues in Multi-region. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 482161 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Orbitx issues in Multi-region carries the same six digits. Two people on 482161 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
482161 is a prefix-inferred range, so we did not run live charges on it. The table models how Orbitx 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 13 September 2026 · 124 charges on record for this range.