492785 VCC - Ireland Visa Virtual Card Review
The range did well against Steam, App Store, Epic Games Store. We logged 223 successful authorizations out of 309 attempts across the test window.
Short entry for a range that punches above its weight. 492785 comes from Kripi, Ireland, Visa, Prepaid. It is the card we hand people who have already failed twice elsewhere.
What the six digits say
- BIN
- 492785
- Card network
- Visa
- Issuing country
- Ireland
- Card type
- Prepaid
- Issued by
- Kripi
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- High
Running costs
On a monthly subscription the maths is easy: no issuance fee once, then no top-up fee. It only starts to bite when you fund the card repeatedly. 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 | — |
Cleared versus declined
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 |
|---|---|---|---|---|
| Steam | 98 | 91 | 93% | went through on a fresh card with the issuer's default address |
| App Store | 80 | 69 | 86% | first charge and renewal four weeks later both cleared |
| Epic Games Store | 61 | 52 | 85% | went through on a fresh card with the issuer's default address |
| iHerb | 40 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Crunchyroll | 30 | 11 | 37% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Ireland-region account between 21 Jun to 30 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
Do not expect much luck on iHerb. It declined on all four attempts. Crunchyroll was inconsistent, two passes out of five.
What to change before you retry
- iHerb: 0 of 40 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.
- Crunchyroll: 11 of 30 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.
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.
- Set the billing address to exactly what Kripi 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.
Our call
Verdict: worth keeping for Ireland checkouts. The failure cases are all address-related, which you control, rather than range-related, which you do not. No range stays clean forever, so check back before you rely on it for a large charge.
FAQ
What does the 492785 BIN tell a merchant?
In practice the checkout reads Kripi / Ireland / Prepaid 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 492785 a real card number?
Six digits of a sixteen-digit number. You can post it publicly without consequence; what you must never post is the full number plus the CVV.
Why would 492785 be declined if the range is fine?
Of the 309 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 492785.
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 Kripi card, funded it, and pushed 309 charges through live merchant checkout pages between 21 Jun to 30 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 223 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 05 September 2026 · 309 charges on record for this range.