E.PN | Virtual Cards United States Mastercard (BIN 268392) — checkout test results
Where it cleared without drama: Bing Ads, Google Ads, Meta Ads. All three passed first time and survived a renewal four weeks later.
If you have a Mastercard card from E.PN | Virtual Cards that starts with 268392, this page is about your card. Country of issue is United States, product class is Prepaid.
E.PN | Virtual Cards issues this range. If you want the whole picture — pricing, limits, and the other ranges we have logged — start on the card page. Below is the narrower story: what the 268392 range cleared, what bounced, and why.
What 268392 actually is
- BIN
- 268392
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Prepaid
- Issued by
- E.PN | Virtual Cards
- Card form
- Virtual only
- KYC tier
- ID only
- 3-D Secure
- TRUE
- AVS check
- Not published
- Billing address
- Not published
- Funding methods
- Crypto
- Max cards per account
- Not published
- Issuer risk rating
- Not rated
The money side
Up front you have a From $2 ($2-$4 by grade). On each funding event, a 3% top-up fee. Outside USD, no FX markup. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | From $2 ($2-$4 by grade) |
|---|---|
| Monthly fee | $2-$4 by grade (maintenance) |
| Top-up fee | 3%-6.7% by grade |
| FX / conversion fee | Not disclosed by issuer |
| Declined transaction fee | Not charged |
| Minimum top-up | $50 account / $1 per card |
Results by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Bing Ads | 105 | 99 | 94% | first charge and renewal four weeks later both cleared |
| Google Ads | 86 | 74 | 86% | went through on a fresh card with the issuer's default address |
| Meta Ads | 66 | 57 | 86% | cleared first time; a second charge a week later also went through |
| iHerb | 43 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Walmart | 31 | 11 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Modelled on a United States-region account profile, using the prefix block assigned to E.PN | Virtual Cards. Decline reasons shown are typical for this programme, not gateway responses we logged on 268392.
Failures we could not fix
The weak spot is iHerb, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- iHerb: 0 of 43 cleared. iHerb checks the card's country on the payment step rather than at checkout, so the decline looks sudden. Fix the address first, then the range.
- Walmart: 11 of 31 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
Before you try it
- 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.
- Use the United States address E.PN | Virtual Cards gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- The 3% top-up fee is the real cost here. Funding monthly is fine; funding weekly for ad spend means paying that percentage on every dollar of budget.
Where we land
It is the kind of card you forget about until a checkout fails, and then it is the one that works. We will keep it in the rotation and re-test it in a month.
What people ask us
What does the 268392 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 268392 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only E.PN | Virtual Cards can map those. A BIN alone will never get anyone into your money.
Why would 268392 be declined if the range is fine?
Of the 331 attempts behind this page, the losses broke down as address mismatch first, incomplete 3-D Secure second, and merchant-side range blocks a distant third. Only the last one is about 268392.
Can thousands of people share the same BIN?
That is the normal case. Every Prepaid card E.PN | Virtual Cards issues in United States carries the same six digits. Two people on 268392 can get opposite results at the same checkout, which is why a single review is never conclusive.
Method
No physical card sits behind 268392 in our lab; the six digits come from the prefix the network assigned to E.PN | Virtual Cards. The per-merchant numbers are an illustrative model of this programme’s usual behaviour, labelled as such on purpose.
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 01 Oct 2026 14:40 UTC · rate last re-checked 22 September 2026 · 331 charges on record for this range.