Spendbase Mastercard United States virtual card (BIN 513165): what cleared
Our log shows clean passes on Steam, Epic Games Store, Google Play, first charge and renewal both going through.
We keep coming back to 513165 when a merchant blocks the well-known virtual ranges. It comes from Spendbase in United States and does not sit on the usual blocklists.
This is one of the ranges behind Spendbase. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 513165 range and what it actually did when we ran charges through it.
Reading the 513165 prefix
- BIN
- 513165
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Credit
- Issued by
- Spendbase
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EU General
- Funding methods
- Bank transfer
- Max cards per account
- 100 (free tier)
- Issuer risk rating
- Low-Medium
Running costs
This is a Credit product, so there is no interest and no annual fee to model. Just no issuance fee, no top-up fee and a 1% conversion fee. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | 1% (cross-currency card transactions) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
What passed and what did not
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 48 | 43 | 90% | went through on a fresh card with the issuer's default address |
| Epic Games Store | 39 | 35 | 90% | no friction, and no AVS prompt |
| Google Play | 30 | 26 | 87% | cleared first time; a second charge a week later also went through |
| Hulu | 19 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Sephora US | 14 | 5 | 36% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Modelled on a United States-region account profile, using the prefix block assigned to Spendbase. Decline reasons shown are typical for this programme, not gateway responses we logged on 513165.
Failures we could not fix
Do not expect much luck on Hulu. It declined on all four attempts. Sephora US was inconsistent, two passes out of five.
What to change before you retry
- Hulu: 0 of 19 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
- Sephora US: 5 of 14 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
Practical notes
- Your tier allows 100 cards. Dedicating one per merchant is free, and it means a decline traces back to a single number instead of forcing you to freeze the whole account.
- Paste the United States billing address Spendbase generates rather than typing your own. One transposed digit is enough to fail the check.
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
Final word
We would not build a whole spend strategy on one Credit range, but as one card among two or three it earns its place. For the price it is hard to argue with, provided you can live with the no top-up fee funding cost.
What people ask us
What does the 513165 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 513165 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Spendbase can map those. A BIN alone will never get anyone into your money.
Why would 513165 be declined if the range is fine?
Of the 150 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 513165.
Can thousands of people share the same BIN?
That is the normal case. Every Credit card Spendbase issues in United States carries the same six digits. Two people on 513165 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
This range is inferred from the network prefix block assigned to Spendbase, 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 513165 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 30 September 2026 · 150 charges on record for this range.