BIN 496762: United States Visa Virtual Card (Debit)
Reliable on Epic Games Store, App Store, Google Play. Everywhere else it was closer to a coin flip, which we will get to.
The first thing to know about 496762 is that it is not an anonymous range. Kripicard issues it in United States and the Visa prefix is registered, which is why fewer merchants treat it as high risk.
496762, decoded
- BIN
- 496762
- Card network
- Visa
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Kripicard
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Unlimited virtual cards
- Issuer risk rating
- Medium-High
What it costs to run
On a monthly subscription the maths is easy: a Varies (fast issuance) once, then no top-up fee. It only starts to bite when you fund the card repeatedly. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | Varies (fast issuance) |
|---|---|
| Monthly fee | Free (no monthly fee) |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
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 |
|---|---|---|---|---|
| Epic Games Store | 81 | 74 | 91% | cleared on the first attempt, no challenge issued |
| App Store | 66 | 57 | 86% | went through on a fresh card with the issuer's default address |
| Google Play | 51 | 42 | 82% | first charge and renewal four weeks later both cleared |
| Tidal | 33 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Sephora US | 25 | 9 | 36% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a United States-region account between 01 Jun to 17 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 Tidal, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Tidal: 0 of 33 cleared. Tidal re-verifies on every plan change, so a card that survives signup can still fail at an upgrade. Keep the address static between changes.
- Sephora US: 9 of 25 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.
Do these first
- Funding is crypto-first. Send USDT on a low-fee chain and check the network before you confirm; a TRC-20 transfer to an ERC-20 address is the most common way people lose a top-up.
- Set the billing address to exactly what Kripicard generates for United States. 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
Verdict: worth keeping for United States checkouts. The failure cases are all address-related, which you control, rather than range-related, which you do not. Ranked on cost alone it sits mid-table. Ranked on consistency it moves up a few places.
What people ask us
What does the 496762 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 496762 a real card number?
No, and this trips people up. 496762 is a range identifier shared across every card Kripicard issues in United States. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 496762 be declined if the range is fine?
Of the 256 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 496762.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Kripicard issues in United States carries the same six digits. Two people on 496762 can get opposite results at the same checkout, which is why a single review is never conclusive.
What we did
We bought a Kripicard card, funded it, and pushed 256 charges through live merchant checkout pages between 01 Jun to 17 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 182 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 24 August 2026 · 256 charges on record for this range.