487540 Virtual Card Review - Canada Visa Debit
Straight runs on Disney+, Poe, Cursor. No 3-D Secure loops, no AVS rejections, no manual review flags.
Short entry for a range that punches above its weight. 487540 comes from YEX, Canada, Visa, Debit. It is the card we hand people who have already failed twice elsewhere.
The spec sheet
- BIN
- 487540
- Card network
- Visa
- Issuing country
- Canada
- Card type
- Debit
- Issued by
- YEX
- 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
Costs, stacked up
Compared with the rest of the directory this sits mid-table. no issuance fee to open, no top-up fee to fund, and no FX markup on conversion. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | 0% |
| Declined transaction fee | — |
| Minimum top-up | — |
The test results
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 |
|---|---|---|---|---|
| Disney+ | 55 | 52 | 95% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Poe | 44 | 39 | 89% | went through on a fresh card with the issuer's default address |
| Cursor | 34 | 28 | 82% | cleared on the first attempt, no challenge issued |
| Walmart | 22 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Hulu | 17 | 6 | 35% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Run from a Canada-region account between 12 Jun to 21 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
If you buy from Walmart, use something else. It declined consistently. Hulu was fine on retry.
What to change before you retry
- Walmart: 0 of 22 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.
- Hulu: 6 of 17 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
Practical notes
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Set the billing address to exactly what YEX generates for Canada. 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.
Where we land
Verdict: worth keeping for Canada checkouts. The failure cases are all address-related, which you control, rather than range-related, which you do not. For the price it is hard to argue with, provided you can live with the no top-up fee funding cost.
BIN questions, answered
What does the 487540 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 487540 a real card number?
No, and this trips people up. 487540 is a range identifier shared across every card YEX issues in Canada. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 487540 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?
Shared by design. Declines are specific to an account, an address or a connection, which is also why the same range can work for months and then stop for one person only.
How we got these numbers
We bought a YEX card, funded it, and pushed 172 charges through live merchant checkout pages between 12 Jun to 21 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 125 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 24 August 2026 · 172 charges on record for this range.