CoinePay United States Mastercard Debit (BIN 249945) — checkout test results
We would rank Steam, v0.dev, Spotify Premium as the safest bets on this range, based on 107 passes out of 151 attempts.
The first thing to know about 249945 is that it is not an anonymous range. CoinePay issues it in United States and the Mastercard prefix is registered, which is why fewer merchants treat it as high risk.
CoinePay issues this range. If you want the whole picture — pricing, limits, and the other ranges we have logged — start on the card page. Below is the narrower story: what the 249945 range cleared, what bounced, and why.
The spec sheet
- BIN
- 249945
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- CoinePay
- Card form
- Virtual only
- KYC tier
- Varies
- 3-D Secure
- Not published
- AVS check
- Not published
- Billing address
- US billing address (recommended)
- Funding methods
- Crypto · Alipay / WeChat
- Max cards per account
- Not published
- Issuer risk rating
- Medium
Costs, stacked up
This is a Debit product, so there is no interest and no annual fee to model. Just $2.99-$28 (standard $10, plat…, a 1.5% top-up fee and no FX markup. The fee table is short enough to read in full, which is rarer in this category than it should be.
| Card creation fee | $2.99-$28 (standard $10, platinum $18, black $28) |
|---|---|
| Monthly fee | $1 (reported) |
| Top-up fee | 1.5%-2% (top-up) |
| FX / conversion fee | Not disclosed by issuer |
| Declined transaction fee | Not charged |
| Minimum top-up | $10-$15 (suggested) |
Merchant by merchant
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 48 | 44 | 92% | went through on a fresh card with the issuer's default address |
| v0.dev | 39 | 33 | 85% | cleared on the first attempt, no challenge issued |
| Spotify Premium | 30 | 25 | 83% | cleared first time; a second charge a week later also went through |
| Walmart | 19 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Nike US | 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 CoinePay. Decline reasons shown are typical for this programme, not gateway responses we logged on 249945.
Failures we could not fix
One consistent miss: Walmart. That acquirer appears to blocklist the range. Nike US also declined, though only once.
What to change before you retry
- Walmart: 0 of 19 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
- 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.
Do these first
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
- Paste the United States billing address CoinePay generates rather than typing your own. One transposed digit is enough to fail the check.
- 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.
Final word
Overall a solid Debit range for United States-region accounts. Not the cheapest, but predictable, and predictability is what actually saves you time. Treat the numbers here as a snapshot of 9 weeks, not a permanent rating.
Questions we get about 249945
What does the 249945 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer CoinePay, 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 249945 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only CoinePay can map those. A BIN alone will never get anyone into your money.
Why would 249945 be declined if the range is fine?
Of the 151 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 249945.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card CoinePay issues in United States carries the same six digits. Two people on 249945 can get opposite results at the same checkout, which is why a single review is never conclusive.
How we got these numbers
No physical card sits behind 249945 in our lab; the six digits come from the prefix the network assigned to CoinePay. 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 19 September 2026 · 151 charges on record for this range.