PayPal Balance     999
Visa Debit    
1234
Visa Debit - Read as Digits
1234
Visa Debit - Read as Digits + Spell out
1234
Visa Debit - aria-label
1234
Visa Debit - abbrevation

1234
Visa Debit - aria-label More than 5 digits and dashes
123456

VO on mac read the aria-label and abbrevation including hidden dashes as digits
NVDA on Windows read all as words
Jaws 2021 on windows read the dashed one alone as digits
VO on iOS read the read the aria-label and abbrevation including hidden dashes as digits
Talkback on Pixel3 read the last the dashed one as dash and aria-label and acronym with spaces as digits



References:

  1. iOS accessibilityspeechspellout
  2. CSS Speech Module , Speak as property
  3. Article on forcing pronounciation