Visa Corporate BIN 493847

BIN 493847 sits in the Visa Corporate range — the same family banks issue to expense-managed business accounts. For SaaS billing, that designation matters: providers like AWS, OpenAI, Cloudflare, GitHub, Notion, and Linear treat Corporate BINs as low-risk for recurring charges, which means cleaner subscription provisioning and far fewer "your payment method needs verification" interruptions in the middle of production usage.

Combined with our no-KYC issuance and crypto funding, BIN 493847 is the card developers and indie founders pick when they want their cloud bill, their AI API spend, and their tool stack all on one anonymous, reloadable card.

Why Visa Corporate for SaaS billing

SaaS billing systems run their own risk model on payment methods, separate from the general fraud-detection layer. Three things they look at:

• BIN tier — Corporate beats Business beats Platinum beats Classic beats Standard Prepaid. BIN 493847 is at the top of that ladder for our line-up.
• Recurring-charge history — fresh cards have no history, but the BIN itself carries reputation. Corporate BINs from established issuers have the lowest "first recurring charge declined" rate.
• Network response speed — Corporate cards route through prioritised authorisation paths. SaaS providers notice this and rank cards accordingly.

In practice, BIN 493847 has the lowest "subscription provisioning failed" rate across the seven BINs we offer.

Limits and pricing

$3,000 per transaction, $30,000 per calendar month. Sized to cover typical SaaS stacks (a startup's combined AWS + Cloudflare + OpenAI + GitHub + Linear + Notion + Stripe + Vercel bill comfortably fits inside the monthly envelope) while staying outside the ad-spend pattern that BIN 471938 serves.

$1.50 issuance, 2% top-up, no monthly fee. Top up the underlying account balance with any of 20 cryptocurrencies; refill the card from your dashboard whenever the balance runs low.

Tested SaaS providers

BIN 493847 has been verified to work for recurring billing on:

• Cloud — AWS, Google Cloud, DigitalOcean, Linode (Akamai), Vultr, Hetzner, Backblaze, Cloudflare
• AI / ML — OpenAI, Anthropic, Google Vertex AI, Replicate, RunPod, Together.ai, Mistral, HuggingFace
• Developer tools — GitHub (Pro, Team, Enterprise Cloud), GitLab, Linear, Notion, Sentry, Datadog, PagerDuty, Vercel, Netlify, Railway, Fly.io
• Productivity — Slack, Notion, Figma, Linear, Loom, 1Password, Bitwarden Premium
• Payment / accounting — Stripe Atlas, Mercury (US business banking that accepts crypto-funded virtual cards for some products), Plaid sandbox, Patreon

If a SaaS provider has been giving you "verify your payment method" loops on other prepaid cards, switching to BIN 493847 resolves it in the vast majority of cases.

How to set up a card for SaaS

1. Estimate three months of expected billing for the provider stack you want to put on this card. Multiply by 1.2 for safety margin.
2. Issue a BIN 493847 card with that load amount. Minimum is $150; for a typical small startup stack, $500-$1,500 is reasonable.
3. Enter the card on each SaaS provider's billing page individually. Don't bulk-import — providers occasionally batch-verify in ways that look like fraud.
4. Wait for the first auth (usually a $1 verification hold). Once it clears, the card is "established" with that provider and subsequent renewals go through without friction.
5. When the card balance drops below one month of billing, top it up from the dashboard. Or, if you prefer, delete the card (refund to account balance) and issue a fresh one with a full new load — both work.

Pairing with other BINs

A common pattern for indie founders: BIN 471938 for paid acquisition (Meta, Google, TikTok Ads), BIN 493847 for SaaS infrastructure, and BIN 491653 for everyday miscellaneous expenses (domain renewals, one-off purchases, contractor invoices below $1,000). Three cards, $4.50 total in issuance fees, full coverage of every billing scenario without ever exposing identity or banking details.