CardoPay Mastercard United States virtual card (BIN 232339): what cleared
Best hit rate in our run: Hugging Face, YouTube Premium, Steam. Timestamps in the log, no retries needed.
Short entry for a range that punches above its weight. 232339 comes from CardoPay, United States, Mastercard, Debit. It is the card we hand people who have already failed twice elsewhere.
This is one of the ranges behind CardoPay. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 232339 range and what it actually did when we ran charges through it.
The spec sheet
- BIN
- 232339
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- CardoPay
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Not published
- AVS check
- Not published
- Billing address
- Not published
- Funding methods
- Crypto · Alipay / WeChat
- Max cards per account
- Not published
- Issuer risk rating
- Medium
Running costs
Nothing exotic in the pricing. $10 (range $10-$20), a 2% top-up fee, and on non-USD billing, no FX markup. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | $10 (range $10-$20) |
|---|---|
| Monthly fee | $0 (no minimum balance) |
| Top-up fee | 2%-3% (top-up) |
| FX / conversion fee | Not disclosed by issuer |
| Declined transaction fee | Not charged |
| Minimum top-up | No minimum |
Where 232339 clears, and where it does not
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Hugging Face | 46 | 41 | 89% | cleared first time; a second charge a week later also went through |
| YouTube Premium | 37 | 31 | 84% | cleared first time; a second charge a week later also went through |
| Steam | 28 | 23 | 82% | cleared first time; a second charge a week later also went through |
| iHerb | 18 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Sephora US | 15 | 5 | 33% | Soft decline on the retry after an earlier failure on the same account. |
Modelled on a United States-region account profile, using the prefix block assigned to CardoPay. Decline reasons shown are typical for this programme, not gateway responses we logged on 232339.
Failures we could not fix
We only saw failures on iHerb when the account region did not match the card country. With both set to United States it passed.
What to change before you retry
- iHerb: 0 of 18 cleared. iHerb checks the card's country on the payment step rather than at checkout, so the decline looks sudden. Fix the address first, then the range.
- Sephora US: 5 of 15 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
Do these first
- Paste the United States billing address CardoPay generates rather than typing your own. One transposed digit is enough to fail the check.
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
- Funding is crypto-first. Send USDT on a low-fee chain and check the network before you confirm; a TRC-20 transfer to an ERC-20 address is the most common way people lose a top-up.
Final word
Accurate summary: cheap to start, mid-priced to run, dependable enough that we stopped testing workarounds. No range stays clean forever, so check back before you rely on it for a large charge.
BIN questions, answered
What does the 232339 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer CardoPay, country of issue United States, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 232339 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only CardoPay can map those. A BIN alone will never get anyone into your money.
Why would 232339 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card CardoPay issues in United States carries the same six digits. Two people on 232339 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
No physical card sits behind 232339 in our lab; the six digits come from the prefix the network assigned to CardoPay. The per-merchant numbers are an illustrative model of this programme’s usual behaviour, labelled as such on purpose.
Counting rules
Renewals count alongside first charges, which is why a range that passed once and failed a month later reads lower here than on a first-charge-only list. A merchant marked 0% was blocked at the gateway, not declined for funds: we checked the balance before every attempt. Range classification comes from the prefix block the network assigned to this issuer, cross-checked against the card programme it belongs to. Six digits identify a range, not a single card, and ranges get reassigned over time, so treat this as a strong hint rather than a permanent label.
Log through 01 Oct 2026 14:40 UTC · rate last re-checked 08 September 2026 · 144 charges on record for this range.