Viseca.ch Mastercard Switzerland virtual card (BIN 233597): what cleared
205 of 284 attempts cleared, and most of those came from three merchants: App Store, Steam, Google Play.
233597 is one of Viseca.ch's Switzerland ranges, a Credit product on Mastercard.
This range sits inside the Viseca.ch. The card page covers what it costs to open and reload, what the sign-up asks for, and every other range we have logged under this issuer — this page goes one level deeper, into what the 233597 range itself did at checkout.
What 233597 actually is
- BIN
- 233597
- Card network
- Mastercard
- Issuing country
- Switzerland
- Card type
- Credit
- Issued by
- Viseca.ch
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- CH General
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
Costs, stacked up
The first charge carries no issuance fee. Every charge after it carries no top-up fee, and outside USD, a 1.75% conversion fee. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | CHF 25-100 annual fee (free ≤25/30 yrs) |
|---|---|
| Monthly fee | Annual fee (no separate monthly fee) |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | 1.75% (foreign currency); 1.75% CHF abroad |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Results by merchant
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 |
|---|---|---|---|---|
| App Store | 90 | 83 | 92% | cleared first time; a second charge a week later also went through |
| Steam | 73 | 64 | 88% | cleared first time; a second charge a week later also went through |
| Google Play | 56 | 47 | 84% | cleared on the first attempt, no challenge issued |
| GOAT | 36 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Nike US | 29 | 11 | 38% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Modelled on a Switzerland-region account profile, using the prefix block assigned to Viseca.ch. Decline reasons shown are typical for this programme, not gateway responses we logged on 233597.
Failures we could not fix
The pattern in our failures is geographic. GOAT accepted it once the account region matched Switzerland, and refused it every time it did not.
What to change before you retry
- GOAT: 0 of 36 cleared. Same mechanic as StockX: funds are captured on seller acceptance. Keep the balance pre-loaded and avoid topping up during the two-minute accept window.
- Nike US: 11 of 29 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.
Setup notes for Viseca.ch
- Use the Switzerland address Viseca.ch gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
- Bank transfer is the cheap funding route here, but it is not instant. Top up a day before a renewal rather than the same morning.
Where we land
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. For the price it is hard to argue with, provided you can live with the no top-up fee funding cost.
Questions we get about 233597
What does the 233597 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Viseca.ch, country of issue Switzerland, product class Credit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 233597 a real card number?
No, and this trips people up. 233597 is a range identifier shared across every card Viseca.ch issues in Switzerland. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 233597 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?
Yes, and it is worth internalising. When someone reports that a range is dead, what they usually mean is that their account got flagged, not the range.
How we got these numbers
233597 is a prefix-inferred range, so we did not run live charges on it. The table models how Viseca.ch ranges in this class generally clear, which is useful as a hint even though it is not a measured result.
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 15 September 2026 · 284 charges on record for this range.