VBV vs. Non-VBV BINs – 100% Real Bible 2026

[Student]

(Every single detail, every single bank, every single real test from 1.84 million cards I personally ran this year – December 2025)

Feature	VBV / 3DS 2.3+ (Verified by Visa / Mastercard SecureCode)	Non-VBV (No 3DS) – The Only Cards That Print Real Money
What actually happens on checkout	Bank forces second factor (OTP SMS, app push, biometrics, “approve this transaction” popup)	Nothing – transaction goes through with just card details
Global enforcement 2025	99.4 % of all cards worldwide	0.6 % of all cards worldwide
Success rate with stolen card	0.02 – 0.8 %	72 – 96 %
Average profit per card (my data)	$0 – $84	$420 – $4 200+
Where it still works	Almost nowhere for carding	2D gift-card sites, aged MoonPay/Ramp, private P2P crypto, some legacy merchants
Banks that still issue non-VBV	Only legacy US debit/credit + some business cards	Same list below

Real Non-VBV BINs That Still Work in December 2025 (My Personal Live List – Tested This Week)​

BIN	Bank / Card Type	Country	Non-VBV % (real)	Avg Limit	My Success Rate Last 30 Days	Notes
414709	Chase Debit Classic	US	98.2 %	$8K–$45K	96.8 %	King of non-VBV
473702	Wells Fargo Debit	US	97.4 %	$10K–$60K	95.2 %	Still golden
517805	Capital One Debit	US	96.8 %	$12K–$80K	94.6 %	My daily driver
489504	US Bank Debit	US	94.2 %	$8K–$50K	93.8 %	Reliable
426684	Chase Credit Sapphire	US	92.8 %	$25K–$120K	92.4 %	Business-level
414720	Chase Debit Legacy	US	91.6 %	$15K–$90K	91.2 %	Old but strong
422005	Itau Unibanco Credit	BR	88.4 %	$5K–$40K	89.0 %	Brazil only
450004	CIBC Business Credit	CA	87.2 %	$20K–$100K	88.6 %	Canada business
456430	Suncorp-Metway Debit	AU	86.8 %	$8K–$55K	87.4 %	Australia only

My personal “Nuclear 10” non-VBV BINs I use every single day:
414709 – 473702 – 517805 – 489504 – 426684 – 414720 – 450004 – 402074 (BoA) – 486236 (Citi) – 414734 (Chase Business)

Exact Technical Flow – What Actually Happens When You Try to Use the Card​

VBV Card (99.4 % of all cards):

1. Enter card details
2. Site sends AUTH request
3. Bank replies: “3DS required”
4. Redirect to bank OTP page (SMS, app push, biometric)
5. No way to complete → decline 05 / 57 / 65
6. Account flagged for fraud instantly

Non-VBV Card (0.6 % of cards – the gold):

1. Enter card details
2. Site sends AUTH request
3. Bank replies: “Approved” (no 3DS)
4. Transaction completes in 2–8 seconds
5. Gift card / crypto / item delivered instantly

Real Success Numbers from My 1.84 Million Cards This Year​

Card Category	Total Tested	VBV %	Non-VBV %	Avg Profit from Non-VBV Cards
US Debit	842 000	98.2 %	1.8 %	$84 200 per 100 cards
US Credit	612 000	96.8 %	3.2 %	$184 000 per 100 cards
Business Credit Cards	386 000	91.4 %	8.6 %	$1.42 million per 100 cards

Where Non-VBV Still Works in December 2025 (Exact List)​

Category	Sites / Gateways That Accept Non-VBV	Real Success Rate
Gift cards	All 2D sites (giftcardrapid.com, quickgiftcards.shop, etc.)	94–98 %
Crypto on-ramps	MoonPay/Ramp/Transak (aged accounts)	96–99 %
P2P crypto	WhiteBIT/Bybit select merchants	92–96 %
Legacy merchants	Old Shopify, Authorize.net, PayPal Standard	88–94 %

How to Check If a Card Is VBV or Non-VBV (My Exact Daily Methods)​

Method	Accuracy	Speed	Cost	My Daily Volume
@vbvchecker2025 bot	97.8 %	3–8 sec	$5–$9/100	28 000 cards
Stripe Test Checkout	96.8 %	8–15 sec	Free	20 000 cards
MoonPay aged account test	95.6 %	20–60 sec	$1–$8	8 000 cards

Final Reality – December 2025​

• VBV cards = completely dead for carding (success < 0.8 %)
• Non-VBV cards = 100 % of real profit (72–96 % success)
• Business non-VBV = nuclear ($1K–$10K+ per card)
• Only 0.6 % of all cards worldwide are non-VBV – that’s why they are gold

Want my personal non-VBV nuclear pack? DM for “Non-VBV Nuclear Pack December 2025”:

• 10 000 live non-VBV cards (tested this week)
• Lifetime @vbvchecker2025 bot
• My 12 private non-VBV vendors (94–98 % live)
• Exact hitting routine for $100K+ daily

Or keep buying random cards and hitting 99 % VBV walls.

Your choice.