494421 VCC - United Kingdom Visa Virtual Card Review
Our log shows clean passes on Spotify Premium, Netflix, YouTube Premium, first charge and renewal both going through.
We added 494421 to the directory after it cleared a checkout that had already rejected two better-known ranges. It is a Debit Visa prefix from ComePay, issued in United Kingdom.
494421 in plain terms
- BIN
- 494421
- Card network
- Visa
- Issuing country
- United Kingdom
- Card type
- Debit
- Issued by
- ComePay
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Not published
- Max cards per account
- 5
- Issuer risk rating
- Medium
What it costs to run
The first charge carries no issuance fee. Every charge after it carries no top-up fee, and outside USD, no FX markup. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | Free (Naira) / $2-3 (USD) |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Spotify Premium | 54 | 50 | 93% | cleared first time; a second charge a week later also went through |
| Netflix | 43 | 36 | 84% | went through on a fresh card with the issuer's default address |
| YouTube Premium | 33 | 27 | 82% | went through on a fresh card with the issuer's default address |
| Hulu | 21 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| iHerb | 18 | 6 | 33% | Soft decline on the retry after an earlier failure on the same account. |
Run from a United Kingdom-region account between 06 Aug 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
Two merchants gave us trouble, Hulu and iHerb. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- Hulu: 0 of 21 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
- iHerb: 6 of 18 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.
Setup notes for ComePay
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
- Set the billing address to exactly what ComePay generates for United Kingdom. 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.
Final word
We would not build a whole spend strategy on one Debit range, but as one card among two or three it earns its place. Ranked on cost alone it sits mid-table. Ranked on consistency it moves up a few places.
BIN questions, answered
What does the 494421 BIN tell a merchant?
In practice the checkout reads ComePay / United Kingdom / 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 494421 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 494421 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 ComePay card, funded it, and pushed 169 charges through live merchant checkout pages between 06 Aug 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. 119 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 31 August 2026 · 169 charges on record for this range.