263324 Virtual Card Review - United States Mastercard Debit
Straight runs on App Store, Steam, Epic Games Store. No 3-D Secure loops, no AVS rejections, no manual review flags.
263324 is the Mastercard range Kemy hands out for United States accounts. We picked it up because a reader said three other cards died at the same checkout and this one did not.
What the six digits say
- BIN
- 263324
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Kemy
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Crypto
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
What it costs to run
The money side is simple: no issuance fee, no top-up fee, and no FX markup on anything billed outside USD. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
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 |
|---|---|---|---|---|
| App Store | 47 | 43 | 91% | no friction, and no AVS prompt |
| Steam | 38 | 33 | 87% | cleared first time; a second charge a week later also went through |
| Epic Games Store | 29 | 23 | 79% | cleared first time; a second charge a week later also went through |
| Hulu | 19 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Sephora US | 14 | 5 | 36% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a United States-region account between 11 Jun to 20 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
The weak spot is Hulu, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Hulu: 0 of 19 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
- Sephora US: 5 of 14 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
Getting it to work first time
- Use the United States address Kemy gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
Verdict, briefly
We would rank it above average and below the top tier. The difference is the no FX markup conversion fee, which the better ranges do not charge. Ranked on cost alone it sits mid-table. Ranked on consistency it moves up a few places.
BIN questions, answered
What does the 263324 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 263324 a real card number?
No, and this trips people up. 263324 is a range identifier shared across every card Kemy issues in United States. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 263324 be declined if the range is fine?
Changing one variable at a time is the only way to diagnose this. Address first, then card, then the connection country. We have seen people change all three and learn nothing.
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.
How this test was run
We bought a Kemy card, funded it, and pushed 147 charges through live merchant checkout pages between 11 Jun to 20 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 104 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 27 August 2026 · 147 charges on record for this range.