265440 Virtual Card Review - Colombia Mastercard Debit
The three places it never failed: App Store, Steam, Google Play. Everything above 90% success in the log traces back to those.
This range belongs to Nequi. Issued out of Colombia on Mastercard, classed as Debit by most acquirers.
265440 in plain terms
- BIN
- 265440
- Card network
- Mastercard
- Issuing country
- Colombia
- Card type
- Debit
- Issued by
- Nequi
- 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
Running costs
Nothing exotic in the pricing. no issuance fee, no top-up fee, and on non-USD billing, a 3% conversion fee. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | ~3% |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
This table is the whole record: every attempt we made on the range, with the gateway's answer attached.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| App Store | 81 | 74 | 91% | cleared first time; a second charge a week later also went through |
| Steam | 66 | 59 | 89% | went through on a fresh card with the issuer's default address |
| Google Play | 51 | 43 | 84% | no friction, and no AVS prompt |
| Best Buy | 33 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Crunchyroll | 25 | 9 | 36% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Colombia-region account between 25 Jun to 03 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
One consistent miss: Best Buy. That acquirer appears to blocklist the range. Crunchyroll also declined, though only once.
What to change before you retry
- Best Buy: 0 of 33 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.
- Crunchyroll: 9 of 25 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.
Practical notes
- Set the billing address to exactly what Nequi generates for Colombia. 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.
- 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.
What the numbers add up to
Overall a solid Debit range for Colombia-region accounts. Not the cheapest, but predictable, and predictability is what actually saves you time. Treat the numbers here as a snapshot of 10 weeks, not a permanent rating.
FAQ
What does the 265440 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 265440 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 265440 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.
Method
We bought a Nequi card, funded it, and pushed 256 charges through live merchant checkout pages between 25 Jun to 03 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 185 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 11 September 2026 · 256 charges on record for this range.