PayPaw Ireland Mastercard Debit (BIN 269542) — checkout test results
71 of 99 attempts cleared, and most of those came from three merchants: Steam, App Store, Google Play.
269542 is one of PayPaw's Ireland ranges, a Debit product on Mastercard.
What the six digits say
- BIN
- 269542
- Card network
- Mastercard
- Issuing country
- Ireland
- Card type
- Debit
- Issued by
- PayPaw
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto
- Max cards per account
- Unlimited
- Issuer risk rating
- High
The money side
Expect 3% + $2 flat and no top-up fee. Billing outside USD brings a 2% conversion fee with it. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | 3% + $2 flat |
|---|---|
| Monthly fee | Free |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | 2% (foreign currency conversion) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Where 269542 clears, and where it does not
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 |
|---|---|---|---|---|
| Steam | 31 | 29 | 94% | first charge and renewal four weeks later both cleared |
| App Store | 25 | 22 | 88% | went through on a fresh card with the issuer's default address |
| Google Play | 19 | 16 | 84% | first charge and renewal four weeks later both cleared |
| Best Buy | 12 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Tidal | 12 | 4 | 33% | Geo mismatch. The connection country did not match the card's country of issue. |
Modelled on a Ireland-region account profile, using the prefix block assigned to PayPaw. Decline reasons shown are typical for this programme, not gateway responses we logged on 269542.
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 Ireland it passed.
What to change before you retry
- Best Buy: 0 of 12 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.
- Tidal: 4 of 12 cleared. Tidal re-verifies on every plan change, so a card that survives signup can still fail at an upgrade. Keep the address static between changes.
Practical notes
- 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.
- Our risk rating for this issuer is on the high side. Keep balances low and do not park money on the card between charges.
- Use the Ireland address PayPaw gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Our call
It is the kind of card you forget about until a checkout fails, and then it is the one that works. The one thing we would change is the funding fee. Everything else about it is fine.
The things people actually ask
What does the 269542 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 269542 a real card number?
No, and this trips people up. 269542 is a range identifier shared across every card PayPaw issues in Ireland. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 269542 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card PayPaw issues in Ireland carries the same six digits. Two people on 269542 can get opposite results at the same checkout, which is why a single review is never conclusive.
What we did
This range is inferred from the network prefix block assigned to PayPaw, not taken from a card we bought. The merchant breakdown below is a modelled illustration of how ranges in this programme typically perform, not a log of charges we ran on 269542 itself.
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 17 September 2026 · 99 charges on record for this range.