492092 BIN Check - Ireland Visa Debit Card
Strongest results on Epic Games Store, App Store, Steam. Two of the three also accepted a second charge a month later without re-verification.
492092 comes from SafePal Card and is issued in Ireland on Visa. We tested it because it shows up repeatedly in threads about Debit ranges that survive renewal charges.
The spec sheet
- BIN
- 492092
- Card network
- Visa
- Issuing country
- Ireland
- Card type
- Debit
- Issued by
- SafePal Card
- 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
The signup cost is easy to compare and mostly irrelevant. What follows you around is no top-up fee, with no FX markup sitting behind it. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
What passed and what did not
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Epic Games Store | 95 | 85 | 89% | cleared first time; a second charge a week later also went through |
| App Store | 77 | 67 | 87% | no friction, and no AVS prompt |
| Steam | 59 | 48 | 81% | cleared first time; a second charge a week later also went through |
| Crunchyroll | 38 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| iHerb | 29 | 11 | 38% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Ireland-region account between 25 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
Crunchyroll is the one to avoid. Its fraud rules appear to treat Debit ranges as high risk by default.
What to change before you retry
- Crunchyroll: 0 of 38 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.
- iHerb: 11 of 29 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.
Getting it to work first time
- Set the billing address to exactly what SafePal Card generates for Ireland. 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.
- This is an anonymous-account product. There is no meaningful account recovery, so export the card details and the billing address the moment you create them.
Final word
Overall a solid Debit range for Ireland-region accounts. Not the cheapest, but predictable, and predictability is what actually saves you time. If your only requirement is that the payment goes through, this range meets it.
The things people actually ask
What does the 492092 BIN tell a merchant?
In practice the checkout reads SafePal Card / Ireland / 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 492092 a real card number?
No, and this trips people up. 492092 is a range identifier shared across every card SafePal Card issues in Ireland. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 492092 be declined if the range is fine?
Of the 298 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 492092.
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 this test was run
We bought a SafePal Card card, funded it, and pushed 298 charges through live merchant checkout pages between 25 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. 211 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 · 298 charges on record for this range.