499000 VCC - Canada Visa Virtual Card Review
188 of 264 attempts cleared, and most of those came from three merchants: Netflix, OpenAI, Anthropic API.
499000 is the Visa range Keytom Card hands out for Canada accounts. We picked it up because a reader said three other cards died at the same checkout and this one did not.
499000 in plain terms
- BIN
- 499000
- Card network
- Visa
- Issuing country
- Canada
- Card type
- Debit
- Issued by
- Keytom Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Custodial
- Funding methods
- Crypto
- Max cards per account
- Not published
- Issuer risk rating
- Medium
Costs, stacked up
The money side is simple: no issuance fee, a 1.5% top-up fee, and a 1% conversion fee on anything billed outside USD. The fee table is short enough to read in full, which is rarer in this category than it should be.
| Card creation fee | Free (virtual); $50 physical delivery |
|---|---|
| Monthly fee | 10 USDC/month per active card |
| Top-up fee | 1.5% (EUR→crypto conversion); 0.25-1% crypto→crypto |
| FX / conversion fee | 1% USD / 2.35% non-USD (min $0.66) |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
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 |
|---|---|---|---|---|
| Netflix | 84 | 76 | 90% | cleared first time; a second charge a week later also went through |
| OpenAI | 68 | 60 | 88% | no friction, and no AVS prompt |
| Anthropic API | 52 | 43 | 83% | first charge and renewal four weeks later both cleared |
| Hulu | 34 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| iHerb | 26 | 9 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Canada-region account between 22 Jun 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
If you buy from Hulu, use something else. It declined consistently. iHerb was fine on retry.
What to change before you retry
- Hulu: 0 of 34 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
- iHerb: 9 of 26 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 Keytom Card
- 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.
- Paste the Canada billing address Keytom Card generates rather than typing your own. One transposed digit is enough to fail the check.
- 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.
What the numbers add up to
It is the kind of card you forget about until a checkout fails, and then it is the one that works. No range stays clean forever, so check back before you rely on it for a large charge.
The things people actually ask
What does the 499000 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Keytom Card, country of issue Canada, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 499000 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Keytom Card can map those. A BIN alone will never get anyone into your money.
Why would 499000 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?
That is the normal case. Every Debit card Keytom Card issues in Canada carries the same six digits. Two people on 499000 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
We bought a Keytom Card card, funded it, and pushed 264 charges through live merchant checkout pages between 22 Jun 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. 188 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 08 September 2026 · 264 charges on record for this range.