250402 VCC - United States Mastercard Virtual Card Review
We would rank Steam, Google Play, App Store as the safest bets on this range, based on 173 passes out of 242 attempts.
A reader asked us to check this Fundbox range because a forum post claimed 250402 was dead. It is not. Here is what we found running it through real merchant checkouts.
250402 in plain terms
- BIN
- 250402
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Fundbox
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- Not published
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low
What you pay, line by line
Nothing exotic in the pricing. no issuance fee, no top-up fee, and on non-USD billing, no FX markup. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
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 | 77 | 72 | 94% | no friction, and no AVS prompt |
| Google Play | 62 | 53 | 85% | first charge and renewal four weeks later both cleared |
| App Store | 48 | 39 | 81% | cleared, 3-D Secure completed in-app in under 20 seconds |
| PlayStation Network | 31 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Walmart | 24 | 9 | 38% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a United States-region account between 12 Jul to 06 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
The pattern in our failures is geographic. PlayStation Network accepted it once the account region matched United States, and refused it every time it did not.
What to change before you retry
- PlayStation Network: 0 of 31 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.
- Walmart: 9 of 24 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.
Getting it to work first time
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Paste the United States billing address Fundbox generates rather than typing your own. One transposed digit is enough to fail the 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
We would not build a whole spend strategy on one Debit range, but as one card among two or three it earns its place. The pattern across all 242 attempts was consistent, which is the most useful thing you can say about a card range.
FAQ
What does the 250402 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 250402 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Fundbox can map those. A BIN alone will never get anyone into your money.
Why would 250402 be declined if the range is fine?
Of the 242 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 250402.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Fundbox issues in United States carries the same six digits. Two people on 250402 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
We bought a Fundbox card, funded it, and pushed 242 charges through live merchant checkout pages between 12 Jul to 06 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 173 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 09 September 2026 · 242 charges on record for this range.