254455 BIN Check - Canada Mastercard Debit Card
Our log shows clean passes on Google Play, Steam, Epic Games Store, first charge and renewal both going through.
Range check: 254455, Mastercard, Canada, Debit, issuer Tribapay. Below is the cost breakdown and the merchants where it held up.
The spec sheet
- BIN
- 254455
- Card network
- Mastercard
- Issuing country
- Canada
- Card type
- Debit
- Issued by
- Tribapay
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
The fee stack
Compared with the rest of the directory this sits mid-table. $3–$5 to open, a 2% top-up fee to fund, and no FX markup on conversion. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | $3–$5 |
|---|---|
| Monthly fee | Free |
| Top-up fee | From 2% (funding fee) |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Results 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 |
|---|---|---|---|---|
| Google Play | 67 | 61 | 91% | no friction, and no AVS prompt |
| Steam | 54 | 46 | 85% | cleared first time; a second charge a week later also went through |
| Epic Games Store | 42 | 34 | 81% | first charge and renewal four weeks later both cleared |
| iHerb | 27 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Best Buy | 20 | 7 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Canada-region account between 02 Jul to 27 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
iHerb is the one to avoid. Its fraud rules appear to treat Debit ranges as high risk by default.
What to change before you retry
- iHerb: 0 of 27 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.
- Best Buy: 7 of 20 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
Three things worth doing
- The 2% top-up fee is the real cost here. Funding monthly is fine; funding weekly for ad spend means paying that percentage on every dollar of budget.
- Set the billing address to exactly what Tribapay generates for Canada. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
Verdict, briefly
If your merchants are mostly in Canada, 254455 is a reasonable default. If they are not, the no FX markup conversion cost will annoy you. Ranked on cost alone it sits mid-table. Ranked on consistency it moves up a few places.
FAQ
What does the 254455 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Tribapay, country of issue Canada, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 254455 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Tribapay can map those. A BIN alone will never get anyone into your money.
Why would 254455 be declined if the range is fine?
Of the 210 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 254455.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Tribapay issues in Canada carries the same six digits. Two people on 254455 can get opposite results at the same checkout, which is why a single review is never conclusive.
What we did
We bought a Tribapay card, funded it, and pushed 210 charges through live merchant checkout pages between 02 Jul to 27 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 148 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 29 August 2026 · 210 charges on record for this range.