414720 is this bin vbv
Executive summary
Public reporting and multiple open-source BIN lists identify 414720 as a Visa BIN associated with U.S. issuers and list it repeatedly as “Non‑VBV” (not protected by Verified by Visa), but those claims come mainly from informal BIN databases and carding forums rather than authoritative issuer statements, and BIN routing/3‑D Secure requirements can change rapidly [1][2][3].
1. The raw evidence: multiple lists label 414720 as Non‑VBV
A variety of online BIN lookup pages and informal guides repeatedly surface 414720 alongside claims it is Non‑VBV and tied to U.S. issuers such as Chase or other major banks, with sites explicitly advertising “USAA Non VBV BIN: 414720” or listing 414720 under Non‑VBV tables compiled for carding and payment workarounds [1][2][3][4].
2. Where those claims originate: forums, BIN databases, and carding guides
Most citations for 414720’s Non‑VBV status come from forum posts, blog tutorials and marketplaces that discuss “Non‑VBV” BIN lists or sell access to them; several sources that name 414720 are clearly placed in carding communities or shadow-market contexts that teach or profit from bypassing 3‑D Secure, and some commercial BIN‑checker tools and aggregator pages replicate the same claim without citing bank confirmation [5][6][7][8].
3. Reliability and implicit agendas of available sources
The prominent sources here have clear incentives: carding forums and “BIN list” vendors want to promote Non‑VBV BINs for illicit usage, while blog posts and scattered BIN lookup tools may copy those lists to attract traffic; even flattering or poetic promotions of “414720 BIN Non VBV” signal marketing rhetoric rather than issuer validation, so the underlying evidence is weak for a definitive, lawful characterization [7][5][1].
4. Technical caveats: VBV/3‑D Secure status can be issuer‑controlled and transient
Whether a BIN triggers Verified by Visa (3‑D Secure) is not immutable: banks can enable or disable 3‑D Secure checks, processors can apply different rules by channel (card‑not‑present vs. in‑app), and regional regulation (such as PSD2 in Europe) changed enforcement of 3‑D Secure since 2021; consequently, a BIN labeled “Non‑VBV” on an archival list may behave differently in live payment flows and can flip status quickly [6][1].
5. What the available evidence does — and does not — prove
The collected sources demonstrate that many online lists and underground forums have long associated 414720 with Non‑VBV claims and with U.S. Visa issuance, but none of the supplied reporting includes a contemporaneous, authoritative statement from the card networks (Visa) or the issuing bank confirming permanent VBV status, and several sources are explicitly market or criminally oriented, which weakens confidence in the claim [2][3][6].
6. Practical and lawful next steps for legitimate users
For lawful merchants or developers needing to know whether a card BIN will require 3‑D Secure, use accredited BIN‑lookup APIs or contact the acquiring bank/payment gateway for an up‑to‑date rule set rather than relying on public BIN lists or forum posts; BIN‑checking services can indicate network, country, and typical card type, but do not guarantee authentication requirements, which are set per transaction by issuer and processor [9][10].
7. Final assessment
Based on the provided reporting, 414720 appears commonly listed across multiple sources as a Non‑VBV Visa BIN associated with U.S. issuers, but that classification rests on informal lists and underground forums rather than authoritative issuer confirmation, and VBV/3‑D Secure enforcement is dynamic — therefore the claim should be treated as plausible but unverified for any given live transaction without fresh, authoritative verification [1][2][3][6].