BIN 263602: United States Mastercard Virtual Card (Credit)
It works on TikTok Ads, Bing Ads, Google Ads. Those three account for most of the 207 successful charges we recorded.
263602 is the Mastercard range KeyBank Key Virtual Card 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 263602 actually is
- BIN
- 263602
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Credit
- Issued by
- KeyBank Key Virtual Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- 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
On a monthly subscription the maths is easy: no issuance fee once, then no top-up fee. It only starts to bite when you fund the card repeatedly. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
What passed and what did not
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| TikTok Ads | 91 | 83 | 91% | cleared on the first attempt, no challenge issued |
| Bing Ads | 74 | 67 | 91% | no friction, and no AVS prompt |
| Google Ads | 57 | 47 | 82% | cleared first time; a second charge a week later also went through |
| StockX | 37 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Hetzner | 27 | 10 | 37% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a United States-region account between 11 Jul to 22 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 StockX, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- StockX: 0 of 37 cleared. Charges only happen when a bid is accepted, so the balance has to be sitting there before the seller responds. A card that funds on demand is what fails here, not the range.
- Hetzner: 10 of 27 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
Do these first
- The billing address is fixed to the issuer's default United States commercial address. Do not try to substitute your own, the AVS check compares against theirs.
- Paste the United States billing address KeyBank Key Virtual Card 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.
Our call
Nothing here is a dealbreaker, but nothing is a standout either. It does the job on United States-region checkouts. For the price it is hard to argue with, provided you can live with the no top-up fee funding cost.
BIN questions, answered
What does the 263602 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer KeyBank Key Virtual Card, country of issue United States, product class Credit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 263602 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only KeyBank Key Virtual Card can map those. A BIN alone will never get anyone into your money.
Why would 263602 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?
Shared by design. Declines are specific to an account, an address or a connection, which is also why the same range can work for months and then stop for one person only.
Method
We bought a KeyBank Key Virtual Card card, funded it, and pushed 286 charges through live merchant checkout pages between 11 Jul to 22 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 207 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 28 August 2026 · 286 charges on record for this range.