BIN 239896: Canada Mastercard Virtual Card (Prepaid)
The range did well against Cursor, v0.dev, Perplexity AI. We logged 194 successful authorizations out of 271 attempts across the test window.
There is not much to say about a BIN until you test one, so we ran 239896 from HUTAO Cards against a live checkout and kept the log. Results below, including the two places it failed.
The spec sheet
- BIN
- 239896
- Card network
- Mastercard
- Issuing country
- Canada
- Card type
- Prepaid
- Issued by
- HUTAO Cards
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- No
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Alipay / WeChat · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- High
The fee stack
Nothing exotic in the pricing. $8 (sign-up bonus available), no top-up fee, and on non-USD billing, no FX markup. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | $8 (sign-up bonus available) |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Cursor | 86 | 79 | 92% | first charge and renewal four weeks later both cleared |
| v0.dev | 70 | 60 | 86% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Perplexity AI | 54 | 46 | 85% | no friction, and no AVS prompt |
| Best Buy | 35 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Hetzner | 26 | 9 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Canada-region account between 27 Jun to 05 Sep 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
One honest caveat: Best Buy returned a generic decline on all attempts, and we could not determine the cause. Treat it as untested rather than blocked.
What to change before you retry
- Best Buy: 0 of 35 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
- Hetzner: 9 of 26 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
- 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.
- Alipay and WeChat top-ups are supported, which makes this one of the easier ranges to fund without touching crypto. Keep individual top-ups small while you are testing.
- Set the billing address to exactly what HUTAO Cards generates for Canada. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Verdict, briefly
This is the range I would give someone who has never used a virtual card. Low balance requirement and the failure modes are easy to diagnose. We will keep it in the rotation and re-test it in a month.
Questions we get about 239896
What does the 239896 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer HUTAO Cards, country of issue Canada, product class Prepaid. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 239896 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 239896 be declined if the range is fine?
Changing one variable at a time is the only way to diagnose this. Address first, then card, then the connection country. We have seen people change all three and learn nothing.
Can thousands of people share the same BIN?
That is the normal case. Every Prepaid card HUTAO Cards issues in Canada carries the same six digits. Two people on 239896 can get opposite results at the same checkout, which is why a single review is never conclusive.
Method
We bought a HUTAO Cards card, funded it, and pushed 271 charges through live merchant checkout pages between 27 Jun to 05 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 194 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 09 September 2026 · 271 charges on record for this range.