The Visa Platinum BIN we specifically tuned for Apple Pay and Google Pay provisioning. Highest mobile-wallet acceptance, premium tier, instant issuance.
BIN 485291 exists for one reason: to be the smoothest possible card to add to your iPhone or Android wallet. Mobile wallets profile incoming cards on issuer tier, BIN reputation, and 3DS support. Platinum-tier Visa cards score at the top of that ladder, which translates into one-tap provisioning instead of the "your bank needs to verify this card" detour that lower-tier prepaid cards often trigger.
If your primary use case is tap-to-pay at physical terminals, in-app purchases through Apple Pay / Google Pay, or anonymous wallet-funded online checkouts, this is the BIN you want.
Adding a card to Apple Wallet or Google Wallet kicks off a real-time check between the wallet's issuer-validation service and the card's BIN reputation. Three outcomes are possible:
BIN 485291 is the one we recommend when the wallet adding step has to work first try, every time. Same network privileges as the Visa Business range, with the Platinum tier specifically optimised for wallet acceptance.
Per transaction: $2,500. Per month: $25,000. Sized between the everyday Classic and the high-volume Business tiers  covers typical wallet-driven spending including occasional larger purchases (hotel stays, electronics).
$1.50 issuance, 2% top-up fee, no monthly fee. Funded with any of 20 cryptocurrencies including Bitcoin, Monero, USDT (4 chains), USDC, XRP, Solana.
Once added, the card works for in-store tap-to-pay (any contactless terminal that accepts Visa), in-app payments (Uber, food delivery, in-app purchases), and Safari "Pay with Apple Pay" buttons.
For Google Pay on the web (Chrome autofill), the card is available the moment it is in your Wallet  no separate setup.
BIN 485291 has been tested across:
For high-volume ad spend on Meta or Google, pick BIN 471938 (Visa Business)  same network acceptance but tuned for the ad-network underwriting models. For Mastercard wallets specifically, BIN 541263 mirrors BIN 485291 on the Mastercard side.
| Network | Visa |
| Tier | Platinum |
| BIN range | 485291 |
| Per-transaction limit | $2,500 per tx |
| Monthly limit | $25,000 per month |
| 3D Secure | Supported |
| Apple Pay | Supported |
| Google Pay | Supported |
| Identity verification | None required |
| Recurring charges | Supported |
| Minimum card load | $25 |
| Card issuance fee | $1.50 |
| Top-up fee | 2.0% |
| Card currency | USD |
Platinum tier vs Classic tier. Wallet issuer-validation services rank Platinum higher, which means fewer "verify with bank" challenges and a higher first-try provisioning rate. Both are acceptable; 485291 just hits a cleaner path.
Yes. Each device generates its own token; you can have the same card on your iPhone, your Apple Watch, and a partner's phone, all running independently.
The card stops authorising charges immediately, including charges initiated through Apple Pay or Google Pay (the wallet token is tied to the underlying card). Unfreezing reactivates the same token without re-provisioning.
Yes. Both systems accept contactless Visa via Apple Pay / Google Pay, and BIN 485291 has been validated on both.
BIN 485291 rarely triggers this, but if it does  usually after an unusual usage pattern  the only path is to delete the card from the wallet and re-add it. If the issue persists, issue a fresh card.
No. Apple Wallet generates a device-specific Token PAN (DPAN) and a dynamic CVV on each transaction. The original CVV is only used once during provisioning and is never re-transmitted.
No verification, no waiting. Top up with crypto, issue the card, copy the details  all in under 60 seconds.