BIN 265829: United States Mastercard Virtual Card (Debit)
Our log shows clean passes on Bing Ads, Meta Ads, TikTok Ads, first charge and renewal both going through.
265829 comes from Karat Financial and is issued in United States on Mastercard. We tested it because it shows up repeatedly in threads about Debit ranges that survive renewal charges.
The spec sheet
- BIN
- 265829
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Karat Financial
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- No
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low
Costs, stacked up
Compared with the rest of the directory this sits mid-table. a Varies (no personal guarantee) to open, no top-up fee to fund, and no FX markup on conversion. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | Varies (no personal guarantee) |
|---|---|
| Monthly fee | Varies (1-3% rewards) |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
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 |
|---|---|---|---|---|
| Bing Ads | 61 | 54 | 89% | cleared first time; a second charge a week later also went through |
| Meta Ads | 49 | 43 | 88% | cleared, 3-D Secure completed in-app in under 20 seconds |
| TikTok Ads | 38 | 32 | 84% | cleared on the first attempt, no challenge issued |
| Best Buy | 24 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Crunchyroll | 20 | 7 | 35% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a United States-region account between 20 Jul to 07 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
We only saw failures on Best Buy when the account region did not match the card country. With both set to United States it passed.
What to change before you retry
- Best Buy: 0 of 24 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: 7 of 20 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.
Setup notes for Karat Financial
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Set the billing address to exactly what Karat Financial generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
Worth it?
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. Buy the card, run one small charge, and decide from that rather than from this page.
FAQ
What does the 265829 BIN tell a merchant?
In practice the checkout reads Karat Financial / United States / Debit and decides. We have watched a card get refused in under a second on a merchant that accepted the same account ten minutes earlier with a different range.
Is 265829 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 265829 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.
How we got these numbers
We bought a Karat Financial card, funded it, and pushed 192 charges through live merchant checkout pages between 20 Jul to 07 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 136 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 09 September 2026 · 192 charges on record for this range.