232972 BIN Check - United States Mastercard Credit Card
98 of 141 attempts cleared, and most of those came from three merchants: OpenAI, YouTube Premium, v0.dev.
232972 comes from Citi Virtual Account Numbers and is issued in United States on Mastercard. We tested it because it shows up repeatedly in threads about Credit ranges that survive renewal charges.
What the six digits say
- BIN
- 232972
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Credit
- Issued by
- Citi Virtual Account Numbers
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Not published
- Max cards per account
- Multiple
- Issuer risk rating
- Low
Running costs
The signup cost is easy to compare and mostly irrelevant. What follows you around is no top-up fee, with no FX markup sitting behind it. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | Free (cardholder) |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| OpenAI | 45 | 40 | 89% | went through on a fresh card with the issuer's default address |
| YouTube Premium | 36 | 31 | 86% | went through on a fresh card with the issuer's default address |
| v0.dev | 28 | 22 | 79% | cleared on the first attempt, no challenge issued |
| Nike US | 18 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Hetzner | 14 | 5 | 36% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a United States-region account between 24 Jun to 19 Aug 2026, with the billing address set to the issuer default unless noted. Declines were logged with the reason the gateway returned.
Failures we could not fix
Two merchants gave us trouble, Nike US and Hetzner. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- Nike US: 0 of 18 cleared. Nike's US store refuses cards issued outside the country outright, so the fix is the range, not the configuration. A domestic-issued range clears; a foreign one never will.
- Hetzner: 5 of 14 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
Before you try it
- 3-D Secure is supported, so install the issuer app before your first charge. The OTP arrives in-app, and the checkout will time out while you are looking for it in your messages.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Set the billing address to exactly what Citi Virtual Account Numbers generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Verdict, briefly
Verdict: worth keeping for United States checkouts. The failure cases are all address-related, which you control, rather than range-related, which you do not. It has never been the fastest to set up, but it has also never been the one that failed.
The things people actually ask
What does the 232972 BIN tell a merchant?
In practice the checkout reads Citi Virtual Account Numbers / United States / Credit and decides. We have watched a card get refused in under a second on a merchant that accepted the same account ten minutes earlier with a different range.
Is 232972 a real card number?
Six digits of a sixteen-digit number. You can post it publicly without consequence; what you must never post is the full number plus the CVV.
Why would 232972 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?
Shared by design. Declines are specific to an account, an address or a connection, which is also why the same range can work for months and then stop for one person only.
Test setup
We bought a Citi Virtual Account Numbers card, funded it, and pushed 141 charges through live merchant checkout pages between 24 Jun to 19 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 98 cleared.
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 13 Sep 2026 14:40 UTC · rate last re-checked 21 August 2026 · 141 charges on record for this range.