Cashi Visa Hong Kong SAR, China virtual card (BIN 485907): what cleared
We would rank YouTube Premium, Cursor, GitHub Copilot as the safest bets on this range, based on 111 passes out of 152 attempts.
485907 is one of Cashi's Hong Kong SAR, China ranges, a Debit product on Visa.
This range sits inside the Cashi. 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 485907 range itself did at checkout.
485907, decoded
- BIN
- 485907
- Card network
- Visa
- Issuing country
- Hong Kong SAR, China
- Card type
- Debit
- Issued by
- Cashi
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- yes
- AVS check
- no
- Billing address
- virtual
- Funding methods
- Crypto
- Max cards per account
- virtual only (1 virtual)
- Issuer risk rating
- medium (custodial; public beta Aug 2026; no audit disclosed)
Costs, stacked up
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. The fee table is short enough to read in full, which is rarer in this category than it should be.
| Card creation fee | $0 (free virtual) |
|---|---|
| Monthly fee | Free |
| Top-up fee | 0% (blockchain network fee only) |
| FX / conversion fee | 1% on non-USD; 0% USD |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Cleared versus declined
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 |
|---|---|---|---|---|
| YouTube Premium | 48 | 44 | 92% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Cursor | 39 | 35 | 90% | cleared on the first attempt, no challenge issued |
| GitHub Copilot | 30 | 26 | 87% | first charge and renewal four weeks later both cleared |
| iHerb | 19 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Target | 16 | 6 | 38% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Modelled on a Hong Kong SAR, China-region account profile, using the prefix block assigned to Cashi. Decline reasons shown are typical for this programme, not gateway responses we logged on 485907.
Failures we could not fix
It failed twice on iHerb, both times on an AVS mismatch rather than a range block. Setting the billing address to the issuer default fixed it.
What to change before you retry
- iHerb: 0 of 19 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.
- Target: 6 of 16 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
Setup notes for Cashi
- 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.
- Funding is crypto-first. Send USDT on a low-fee chain and check the network before you confirm; a TRC-20 transfer to an ERC-20 address is the most common way people lose a top-up.
- Paste the Hong Kong SAR, China billing address Cashi generates rather than typing your own. One transposed digit is enough to fail the check.
Worth it?
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. Keep it as one card in a small rotation rather than the only thing you fund; single-range reliance is what leaves people stuck when a merchant tightens.
BIN questions, answered
What does the 485907 BIN tell a merchant?
In practice the checkout reads Cashi / Hong Kong SAR, China / 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 485907 a real card number?
No, and this trips people up. 485907 is a range identifier shared across every card Cashi issues in Hong Kong SAR, China. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 485907 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?
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
No physical card sits behind 485907 in our lab; the six digits come from the prefix the network assigned to Cashi. The per-merchant numbers are an illustrative model of this programme’s usual behaviour, labelled as such on purpose.
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 21 September 2026 · 152 charges on record for this range.