Walmart MoneyCard United States Mastercard (BIN 243153) — checkout test results
We would rank Claude.ai, Disney+, Leonardo.ai as the safest bets on this range, based on 106 passes out of 148 attempts.
243153 is the Mastercard range Walmart MoneyCard hands out for United States accounts. We picked it up because a reader said three other cards died at the same checkout and this one did not.
This is one of the ranges behind Walmart MoneyCard. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 243153 range and what it actually did when we ran charges through it.
243153, decoded
- BIN
- 243153
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Prepaid
- Issued by
- Walmart MoneyCard
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes
- Billing address
- Personal
- Funding methods
- Bank transfer
- Max cards per account
- 1 card
- Issuer risk rating
- Medium
What you pay, line by line
Budget for a Card opening fee $1, no top-up fee, and a no decline fee penalty on declined authorizations. That last one only matters if you are pushing a lot of small charges. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | Card opening fee $1 |
|---|---|
| Monthly fee | $5.94/mo (waived with $500+ monthly load) |
| Top-up fee | Cash reload $3 at Walmart / up to $5.95 elsewhere |
| FX / conversion fee | 3% international transaction fee |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
The test results
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Claude.ai | 47 | 44 | 94% | cleared on the first attempt, no challenge issued |
| Disney+ | 38 | 33 | 87% | went through on a fresh card with the issuer's default address |
| Leonardo.ai | 29 | 24 | 83% | went through on a fresh card with the issuer's default address |
| Crunchyroll | 19 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Hetzner | 15 | 5 | 33% | Gateway risk rule fired and returned a generic decline with no challenge. |
Modelled on a United States-region account profile, using the prefix block assigned to Walmart MoneyCard. Decline reasons shown are typical for this programme, not gateway responses we logged on 243153.
Failures we could not fix
Crunchyroll is the one to avoid. Its fraud rules appear to treat Prepaid ranges as high risk by default.
What to change before you retry
- Crunchyroll: 0 of 19 cleared. Billing runs monthly in USD from the account's store region. Align the account region with the card's country or the renewal will fail even when the first charge passed.
- Hetzner: 5 of 15 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.
Setup notes for Walmart MoneyCard
- 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.
- Use the United States address Walmart MoneyCard gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- Your tier allows 1 cards. Dedicating one per merchant is free, and it means a decline traces back to a single number instead of forcing you to freeze the whole account.
Verdict, briefly
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. If you find a merchant where it behaves differently, tell us and we will add it to the log.
FAQ
What does the 243153 BIN tell a merchant?
In practice the checkout reads Walmart MoneyCard / United States / Prepaid 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 243153 a real card number?
No, and this trips people up. 243153 is a range identifier shared across every card Walmart MoneyCard issues in United States. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 243153 be declined if the range is fine?
Of the 148 attempts behind this page, the losses broke down as address mismatch first, incomplete 3-D Secure second, and merchant-side range blocks a distant third. Only the last one is about 243153.
Can thousands of people share the same BIN?
That is the normal case. Every Prepaid card Walmart MoneyCard issues in United States carries the same six digits. Two people on 243153 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 243153 in our lab; the six digits come from the prefix the network assigned to Walmart MoneyCard. 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 09 September 2026 · 148 charges on record for this range.