494817 BIN Check - United Arab Emirates Visa Debit Card
The three places it never failed: Steam, App Store, Epic Games Store. Everything above 90% success in the log traces back to those.
494817 is one of HODL's United Arab Emirates ranges, a Debit product on Visa.
What 494817 actually is
- BIN
- 494817
- Card network
- Visa
- Issuing country
- United Arab Emirates
- Card type
- Debit
- Issued by
- HODL
- 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 it costs to run
Budget for no issuance fee, no top-up fee, and a no decline fee penalty on declined authorizations. That last one only matters if you are pushing a lot of small charges. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
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 |
|---|---|---|---|---|
| Steam | 89 | 81 | 91% | no friction, and no AVS prompt |
| App Store | 72 | 63 | 88% | no friction, and no AVS prompt |
| Epic Games Store | 56 | 47 | 84% | first charge and renewal four weeks later both cleared |
| Sephora US | 36 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Hetzner | 27 | 10 | 37% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a United Arab Emirates-region account between 08 Jun to 24 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 weak spot is Sephora US, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Sephora US: 0 of 36 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
- Hetzner: 10 of 27 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
Setup notes for HODL
- 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.
- Paste the United Arab Emirates billing address HODL generates rather than typing your own. One transposed digit is enough to fail the check.
- 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.
Our call
If you only need one subscription this is more than enough. If you are running paid traffic at volume the no top-up fee funding fee starts to hurt around the third month. Worth keeping if your merchants sit in United Arab Emirates. Worth ignoring if they do not.
BIN questions, answered
What does the 494817 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer HODL, country of issue United Arab Emirates, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 494817 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 494817 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?
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 HODL card, funded it, and pushed 280 charges through live merchant checkout pages between 08 Jun to 24 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 201 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 28 August 2026 · 280 charges on record for this range.