248513 BIN Check - United States Mastercard Debit Card
Strongest results on Steam, Epic Games Store, App Store. Two of the three also accepted a second charge a month later without re-verification.
248513 is one of Branch's United States ranges, a Debit product on Mastercard.
The spec sheet
- BIN
- 248513
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Branch
- Card form
- Virtual only
- KYC tier
- ID only
- 3-D Secure
- Not published
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Bank transfer
- Max cards per account
- 1
- Issuer risk rating
- Low
What it costs to run
On a monthly subscription the maths is easy: no issuance fee once, then no top-up fee. It only starts to bite when you fund the card repeatedly. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
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 |
|---|---|---|---|---|
| Steam | 105 | 98 | 93% | went through on a fresh card with the issuer's default address |
| Epic Games Store | 85 | 73 | 86% | cleared first time; a second charge a week later also went through |
| App Store | 65 | 54 | 83% | went through on a fresh card with the issuer's default address |
| GOAT | 42 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Hulu | 32 | 12 | 38% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a United States-region account between 17 Jul to 04 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
Failures were rare but real: GOAT declined on three attempts, and we never did get it through.
What to change before you retry
- GOAT: 0 of 42 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.
- Hulu: 12 of 32 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
Setup notes for Branch
- 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.
- 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.
- Set the billing address to exactly what Branch generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
What the numbers add up to
It is the kind of card you forget about until a checkout fails, and then it is the one that works. Nothing here makes it the best option, and nothing makes it a bad one.
Questions we get about 248513
What does the 248513 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Branch, country of issue United States, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 248513 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 248513 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?
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.
How this test was run
We bought a Branch card, funded it, and pushed 329 charges through live merchant checkout pages between 17 Jul to 04 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 237 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 07 September 2026 · 329 charges on record for this range.