BIN 494614: United Arab Emirates Visa Virtual Card (Debit)
190 of 268 attempts cleared, and most of those came from three merchants: Disney+, YouTube Premium, Spotify Premium.
We keep coming back to 494614 when a merchant blocks the well-known virtual ranges. It comes from Klasha in United Arab Emirates and does not sit on the usual blocklists.
494614 in plain terms
- BIN
- 494614
- Card network
- Visa
- Issuing country
- United Arab Emirates
- Card type
- Debit
- Issued by
- Klasha
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
Costs, stacked up
Pricing, laid out: $2 to open a card, no top-up fee every time you fund it, and no FX markup on conversion. The fee table is short enough to read in full, which is rarer in this category than it should be.
| Card creation fee | $2 |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Where 494614 clears, and where it does not
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+ | 85 | 77 | 91% | no friction, and no AVS prompt |
| YouTube Premium | 69 | 60 | 87% | first charge and renewal four weeks later both cleared |
| Spotify Premium | 53 | 43 | 81% | went through on a fresh card with the issuer's default address |
| StockX | 34 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Crunchyroll | 27 | 10 | 37% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a United Arab Emirates-region account between 10 Aug to 31 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
The pattern in our failures is geographic. StockX accepted it once the account region matched United Arab Emirates, and refused it every time it did not.
What to change before you retry
- StockX: 0 of 34 cleared. Charges only happen when a bid is accepted, so the balance has to be sitting there before the seller responds. A card that funds on demand is what fails here, not the range.
- Crunchyroll: 10 of 27 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
- Set the billing address to exactly what Klasha generates for United Arab Emirates. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
- This range does not advertise 3-D Secure. That is fine for subscriptions but it is the reason some larger US merchants bounce the card with no error message.
Where we land
Two things decide it. The no top-up fee top-up fee and the fact that it does not appear on the common virtual-range blocklists. Both work in its favour. If your only requirement is that the payment goes through, this range meets it.
Questions we get about 494614
What does the 494614 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 494614 a real card number?
No, and this trips people up. 494614 is a range identifier shared across every card Klasha issues in United Arab Emirates. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 494614 be declined if the range is fine?
Changing one variable at a time is the only way to diagnose this. Address first, then card, then the connection country. We have seen people change all three and learn nothing.
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.
Method
We bought a Klasha card, funded it, and pushed 268 charges through live merchant checkout pages between 10 Aug to 31 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 190 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 02 September 2026 · 268 charges on record for this range.