THPay Multi-region Mastercard (BIN 260885) — tested at checkout
It works on Disney+, Google Ads, Epic Games Store. Those three account for most of the 177 successful charges we recorded.
The first thing to know about 260885 is that it is not an anonymous range. THPay issues it in Multi-region and the Mastercard prefix is registered, which is why fewer merchants treat it as high risk.
This is one of the ranges behind THPay. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 260885 range and what it actually did when we ran charges through it.
What the six digits say
- BIN
- 260885
- Card network
- Mastercard
- Issuing country
- Multi-region
- Card type
- Credit
- Issued by
- THPay
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- No
- AVS check
- Yes
- Billing address
- Personal/Business (crypto custody)
- Funding methods
- Crypto · Alipay / WeChat
- Max cards per account
- Virtual + physical per user
- Issuer risk rating
- Medium (HK licensed; 'average security' per market)
What you pay, line by line
The first charge carries a Virtual ~$30 (per market revi…. Every charge after it carries a 3% top-up fee, and outside USD, a 1.5% conversion fee. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | Virtual ~$30 (per market reviews); physical higher; some issuance covered by promos |
|---|---|
| Monthly fee | Not disclosed by issuer |
| Top-up fee | ~3% combined (virtualcardx); 1.5%-2% per geeksay; USDT |
| FX / conversion fee | 1.5%-2% FX loss on conversion |
| Declined transaction fee | Yes |
| Minimum top-up | Not disclosed by issuer |
The test results
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Disney+ | 79 | 71 | 90% | cleared first time; a second charge a week later also went through |
| Google Ads | 64 | 56 | 88% | cleared on the first attempt, no challenge issued |
| Epic Games Store | 49 | 41 | 84% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Crunchyroll | 32 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Nike US | 25 | 9 | 36% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Modelled on a Multi-region-region account profile, using the prefix block assigned to THPay. Decline reasons shown are typical for this programme, not gateway responses we logged on 260885.
Failures we could not fix
The weak spot is Crunchyroll, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Crunchyroll: 0 of 32 cleared. Billing runs monthly in USD from the account's store region. Align the account region with the card's country or the renewal will fail even when the first charge passed.
- Nike US: 9 of 25 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.
Practical notes
- Paste the Multi-region billing address THPay generates rather than typing your own. One transposed digit is enough to fail the check.
- The 3% 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.
- 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.
Final word
It is the kind of card you forget about until a checkout fails, and then it is the one that works. Take the Credit label seriously though. Some merchant rules treat it differently to credit.
BIN questions, answered
What does the 260885 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer THPay, country of issue Multi-region, product class Credit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 260885 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 260885 be declined if the range is fine?
Of the 249 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 260885.
Can thousands of people share the same BIN?
That is the normal case. Every Credit card THPay issues in Multi-region carries the same six digits. Two people on 260885 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 260885 in our lab; the six digits come from the prefix the network assigned to THPay. 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 29 September 2026 · 249 charges on record for this range.