Mekari Expense Indonesia Visa BIN 453357 review — live charge results
238 of 334 attempts cleared, and most of those came from three merchants: App Store, Google Play, Steam.
453357 is one of Mekari Expense's Indonesia ranges, a Debit product on Visa.
This is one of the ranges behind Mekari Expense. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 453357 range and what it actually did when we ran charges through it.
453357, decoded
- BIN
- 453357
- Card network
- Visa
- Issuing country
- Indonesia
- Card type
- Debit
- Issued by
- Mekari Expense
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- ID General
- Funding methods
- Bank transfer
- Max cards per account
- Unlimited virtual cards
- Issuer risk rating
- Medium
The fee stack
Budget for no issuance fee, no top-up fee, and a no decline fee penalty on declined authorizations. That last one only matters if you are pushing a lot of small charges. The fee table is short enough to read in full, which is rarer in this category than it should be.
| Card creation fee | Free (from basic plan) |
|---|---|
| Monthly fee | Free (no admin fee) |
| Top-up fee | Free (no transaction fees) |
| FX / conversion fee | Not disclosed by issuer |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Cleared versus declined
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| App Store | 106 | 96 | 91% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Play | 86 | 76 | 88% | cleared on the first attempt, no challenge issued |
| Steam | 66 | 54 | 82% | no friction, and no AVS prompt |
| Best Buy | 43 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Target | 33 | 12 | 36% | Gateway risk rule fired and returned a generic decline with no challenge. |
Modelled on a Indonesia-region account profile, using the prefix block assigned to Mekari Expense. Decline reasons shown are typical for this programme, not gateway responses we logged on 453357.
Failures we could not fix
Best Buy rejected it outright. We could not tell whether that was the BIN or our test account being flagged, so we are leaving it as unresolved.
What to change before you retry
- Best Buy: 0 of 43 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.
- Target: 12 of 33 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
Before you try it
- 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.
- Set the billing address to exactly what Mekari Expense generates for Indonesia. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 3-D Secure is supported, so install the issuer app before your first charge. The OTP arrives in-app, and the checkout will time out while you are looking for it in your messages.
Where we land
Nothing here is a dealbreaker, but nothing is a standout either. It does the job on Indonesia-region checkouts. For the price it is hard to argue with, provided you can live with the Free (no transaction fees) funding cost.
FAQ
What does the 453357 BIN tell a merchant?
In practice the checkout reads Mekari Expense / Indonesia / 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 453357 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 453357 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.
Test setup
No physical card sits behind 453357 in our lab; the six digits come from the prefix the network assigned to Mekari Expense. 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 15 September 2026 · 334 charges on record for this range.