Mastercard Virtual Card BIN 249525 - United States (Credit)
102 of 145 attempts cleared, and most of those came from three merchants: Epic Games Store, Steam, App Store.
249525 appears on Mastercard cards issued by Synchrony to United States customers. That is the whole identification. Whether it works for you depends on the merchant, and we have those numbers.
What the six digits say
- BIN
- 249525
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Credit
- Issued by
- Synchrony
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low
Costs, stacked up
The signup cost is easy to compare and mostly irrelevant. What follows you around is no top-up fee, with no FX markup sitting behind it. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | 0% |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Epic Games Store | 46 | 41 | 89% | first charge and renewal four weeks later both cleared |
| Steam | 37 | 32 | 86% | cleared first time; a second charge a week later also went through |
| App Store | 29 | 24 | 83% | cleared first time; a second charge a week later also went through |
| PlayStation Network | 18 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Nike US | 15 | 5 | 33% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a United States-region account between 28 Jul to 18 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 PlayStation Network, 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
- PlayStation Network: 0 of 18 cleared. Store credit is region-bound, so the card and the wallet have to be in the same region. Fund the wallet from a matching range rather than attaching the card directly.
- Nike US: 5 of 15 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.
Three things worth doing
- Use the United States address Synchrony gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
- 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.
Our call
Two things decide it. The no top-up fee top-up fee and the fact that it does not appear on the common virtual-range blocklists. Both work in its favour. Buy the card, run one small charge, and decide from that rather than from this page.
What people ask us
What does the 249525 BIN tell a merchant?
Roughly: who issued it, where, and what kind of product it is. Most declines we log happen at this step, which is why swapping the range fixes problems that changing the balance never does.
Is 249525 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 249525 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 Synchrony card, funded it, and pushed 145 charges through live merchant checkout pages between 28 Jul to 18 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 102 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 20 August 2026 · 145 charges on record for this range.