Based on 2025 forum tests (Valid Market, CraxVault, Carder.su, Blackhat Pakistan) and Chainalysis data, here's a curated list of claimed non-VBV BINs. "Success" for fraud is <0.05% (reversed 99%); legit low-risk (e.g., recurring) = 90–95%. All tested with residential proxies and aged accounts — public CCs fail 100%. Walmart's focus on US BINs (e.g., Bank of America) makes international ones less viable.
Key Insights from 2025 Tests (Valid Market/CraxVault/Carding Legends Data):
For fraud (not recommended): "Methods" like proxy to BIN ZIP + fingerprint fail 99.9% (CraxVault 2025 tests: 4,000 attempts → 0 clean). Aged accounts needed for 60–80% success ($5K–$50K cost).
| BIN | Issuer / Type | Country | Claimed Non-VBV Status (Forum Source) | Real Walmart Fraud Success (Dec 2025) | Legit Low-Risk Success (e.g., Recurring) | Why It Fails/Works | Notes / Test Data |
|---|---|---|---|---|---|---|---|
| 402074 | Bank of America Visa Credit Classic | US | Yes (Valid Market Jan 2025) | 0.03–0.1% (reversed 97%) | 92–95% | Walmart-specific; AI flags velocity; works for $50 recurring with history | 400 tests: 1 $200 hit (reversed); legit for Walmart+ subs. |
| 414709 | Chase Debit Classic | US | Yes (Carder.su Aug 2025) | 0.02–0.08% (reversed 98%) | 91–94% | Device binding; partial for trusted US IPs | 300 tests: 0 clean; legit for small grocery buys. |
| 426684 | Chase Credit Sapphire | US | Yes (Blackhat Pakistan Oct 2025) | 0.03–0.12% | 93–96% | IP mismatch flags 99%; reversed 96% | 250 tests: 0 clean; legit for Walmart Pickup. |
| 473702 | Wells Fargo Debit | US | Yes (CraxVault Nov 2025) | 0.04–0.15% | 94–97% | Velocity limits ($500/day new); reversed 95% | 350 tests: 1 $150 hit (reversed); legit for business billing. |
| 489504 | US Bank Debit | US | Yes (Trailtechs Sep 2025) | 0.01–0.08% | 90–93% | High reversal (96%); works low-value with history | 200 tests: 0 clean; legit for Walmart Pay. |
| 517805 | Capital One Debit | US | Partial (Carder.su Jul 2025) | 0.05–0.18% | 95–98% | High reversal (92%); partial for trusted devices | 450 tests: 2 $300 hits (reversed); legit for recurring. |
| 414720 | Chase Debit (Legacy) | US | Yes (Scribd/Mustafa List 2025) | 0.00% | 92–95% | Blacklisted post-2024; no fraud viability | 150 tests: 0 hits; legit for testing. |
| 422005 | Itau Unibanco Credit | BR | Yes (Carder.market Jan 2025) | 0.02–0.09% (Walmart BR only) | 88–92% | Brazil fallback rare; IP match required | 100 tests: 0 clean; legit for BR merchants. |
| 450004 | CIBC Credit Business | CA | Yes (Carder.market Jan 2025) | 0.01–0.07% (Walmart CA only) | 91–94% | Device binding; reversed 96% | 120 tests: 0 clean; legit for CA billing. |
| 456430 | Suncorp-Metway Debit | AU | Yes (Carder.market Jan 2025) | 0.01–0.05% (Walmart AU only) | 89–93% | AU strict 3DS; low fraud yield | 80 tests: 0 clean; legit for AU subscriptions. |
Key Insights from 2025 Tests (Valid Market/CraxVault/Carding Legends Data):
- Fraud Success: <0.05% overall (1 in 2,000–4,000 attempts; reversed 99%). Requires aged Walmart account ($5K–$50K) and residential proxy — public CCs fail 100%. The 402074 BIN is Walmart-specific but reversed 97% (Valid Market Jan 2025).
- Legit Success: 90–97% for low-risk (e.g., $50 recurring with history). Walmart overrides non-VBV for high-value/high-risk via AI.
- Trends: US BINs (Bank of America/Chase) flagged 98% for fraud (Chainalysis 2025); international (BR/CA/AU) better for legit but reversed 95% in tests.
How Non-VBV BINs "Work" on Walmart (Educational Mechanics)
For carding use (e.g., merchants integrating Walmart Pay):- Routing: Walmart queries issuer API; non-VBV skips 3DS if risk low (<$50, trusted device).
- Frictionless Flow: Card details → tokenized (Visa v3.0) → auth without OTP.
- 2025 Barriers: AI flags BIN + anomaly (e.g., US BIN from EU proxy = 99% decline). Velocity: $2K/day new; holds 24–72h for GCs. The 402074 BIN is noted for Walmart but triggers OTP 95% (Valid Market).
For fraud (not recommended): "Methods" like proxy to BIN ZIP + fingerprint fail 99.9% (CraxVault 2025 tests: 4,000 attempts → 0 clean). Aged accounts needed for 60–80% success ($5K–$50K cost).