BIN 244453: Singapore Mastercard Virtual Card (Prepaid)
Straight runs on Bing Ads, Google Ads, Meta Ads. No 3-D Secure loops, no AVS rejections, no manual review flags.
79Card issues 244453 out of Singapore. Classed Prepaid, runs on Mastercard.
What 244453 actually is
- BIN
- 244453
- Card network
- Mastercard
- Issuing country
- Singapore
- Card type
- Prepaid
- Issued by
- 79Card
- Card form
- Virtual only
- KYC tier
- Varies
- 3-D Secure
- No
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple (API integration)
- Issuer risk rating
- High
The fee stack
The money side is simple: an undisclosed issuance fee, no top-up fee, and no FX markup on anything billed outside USD. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | — |
|---|---|
| Monthly fee | — |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant 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 |
|---|---|---|---|---|
| Bing Ads | 54 | 51 | 94% | first charge and renewal four weeks later both cleared |
| Google Ads | 43 | 38 | 88% | went through on a fresh card with the issuer's default address |
| Meta Ads | 33 | 27 | 82% | cleared on the first attempt, no challenge issued |
| Nike US | 21 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| iHerb | 18 | 6 | 33% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Singapore-region account between 26 Jul to 16 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
It failed twice on Nike US, both times on an AVS mismatch rather than a range block. Setting the billing address to the issuer default fixed it.
What to change before you retry
- Nike US: 0 of 21 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.
- iHerb: 6 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.
Setup notes for 79Card
- This range does not advertise 3-D Secure. That is fine for subscriptions but it is the reason some larger US merchants bounce the card with no error message.
- Set the billing address to exactly what 79Card generates for Singapore. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
Verdict, briefly
It is the kind of card you forget about until a checkout fails, and then it is the one that works. If your only requirement is that the payment goes through, this range meets it.
What people ask us
What does the 244453 BIN tell a merchant?
In practice the checkout reads 79Card / Singapore / 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 244453 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only 79Card can map those. A BIN alone will never get anyone into your money.
Why would 244453 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.
Method
We bought a 79Card card, funded it, and pushed 169 charges through live merchant checkout pages between 26 Jul to 16 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 122 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 24 August 2026 · 169 charges on record for this range.