Visa Virtual Card BIN 487239 - United States (Debit)
The range did well against Claude.ai, Perplexity AI, Poe. We logged 115 successful authorizations out of 158 attempts across the test window.
We keep coming back to 487239 when a merchant blocks the well-known virtual ranges. It comes from PayPal Key in United States and does not sit on the usual blocklists.
487239 in plain terms
- BIN
- 487239
- Card network
- Visa
- Issuing country
- United States
- Card type
- Debit
- Issued by
- PayPal Key
- 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
Costs, stacked up
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. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Claude.ai | 50 | 47 | 94% | first charge and renewal four weeks later both cleared |
| Perplexity AI | 41 | 36 | 88% | went through on a fresh card with the issuer's default address |
| Poe | 31 | 26 | 84% | cleared first time; a second charge a week later also went through |
| Crunchyroll | 20 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Nike US | 16 | 6 | 38% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a United States-region account between 25 Jun to 27 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 consistent miss: Crunchyroll. That acquirer appears to blocklist the range. Nike US also declined, though only once.
What to change before you retry
- Crunchyroll: 0 of 20 cleared. Billing runs monthly in USD from the account's store region. Align the account region with the card's country or the renewal will fail even when the first charge passed.
- Nike US: 6 of 16 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.
Getting it to work first time
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Paste the United States billing address PayPal Key generates rather than typing your own. One transposed digit is enough to fail the 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.
Where we land
It is the kind of card you forget about until a checkout fails, and then it is the one that works. If your only requirement is that the payment goes through, this range meets it.
The things people actually ask
What does the 487239 BIN tell a merchant?
Roughly: who issued it, where, and what kind of product it is. Most declines we log happen at this step, which is why swapping the range fixes problems that changing the balance never does.
Is 487239 a real card number?
No, and this trips people up. 487239 is a range identifier shared across every card PayPal Key issues in United States. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 487239 be declined if the range is fine?
Of the 158 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 487239.
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.
How we got these numbers
We bought a PayPal Key card, funded it, and pushed 158 charges through live merchant checkout pages between 25 Jun to 27 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 115 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 03 September 2026 · 158 charges on record for this range.