BIN 262420 (United States, Mastercard) - What It Works On
Where it cleared without drama: Epic Games Store, YouTube Premium, Disney+. All three passed first time and survived a renewal four weeks later.
There is not much to say about a BIN until you test one, so we ran 262420 from Payoneer against a live checkout and kept the log. Results below, including the two places it failed.
The spec sheet
- BIN
- 262420
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Payoneer
- Card form
- Virtual only
- KYC tier
- ID only
- 3-D Secure
- Yes
- AVS check
- Yes (US AVS)
- Billing address
- Global
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low
Running costs
Up front you have no issuance fee. On each funding event, a 3.99% top-up fee. Outside USD, a 3.5% conversion fee. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | 1-3.99% (varies) |
| FX / conversion fee | up to 3.5% |
| Declined transaction fee | 1 |
| Minimum top-up | — |
Results by merchant
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Epic Games Store | 45 | 42 | 93% | cleared on the first attempt, no challenge issued |
| YouTube Premium | 37 | 32 | 86% | cleared first time; a second charge a week later also went through |
| Disney+ | 28 | 23 | 82% | first charge and renewal four weeks later both cleared |
| Crunchyroll | 18 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Nike US | 15 | 5 | 33% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a United States-region account between 03 Jul to 04 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
Two merchants gave us trouble, Crunchyroll and Nike US. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- Crunchyroll: 0 of 18 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: 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
- Set the billing address to exactly what Payoneer generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS 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.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
Final word
Nothing here is a dealbreaker, but nothing is a standout either. It does the job on United States-region checkouts. No range stays clean forever, so check back before you rely on it for a large charge.
Questions we get about 262420
What does the 262420 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 262420 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 262420 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
Can thousands of people share the same BIN?
Yes, and it is worth internalising. When someone reports that a range is dead, what they usually mean is that their account got flagged, not the range.
Test setup
We bought a Payoneer card, funded it, and pushed 143 charges through live merchant checkout pages between 03 Jul to 04 Sep 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 12 September 2026 · 143 charges on record for this range.