Mastercard Virtual Card BIN 522599 - United States (Credit)
Best hit rate in our run: Meta Ads, Bing Ads, Google Ads. Timestamps in the log, no retries needed.
522599 is the Mastercard range Ubeit hands out for United States accounts. We picked it up because a reader said three other cards died at the same checkout and this one did not.
What the six digits say
- BIN
- 522599
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Credit
- Issued by
- Ubeit
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- No
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
Running costs
On a monthly subscription the maths is easy: an undisclosed issuance fee once, then no top-up fee. It only starts to bite when you fund the card repeatedly. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | — |
|---|---|
| Monthly fee | — |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
The test results
This table is the whole record: every attempt we made on the range, with the gateway's answer attached.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Meta Ads | 41 | 38 | 93% | cleared on the first attempt, no challenge issued |
| Bing Ads | 33 | 28 | 85% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Ads | 26 | 21 | 81% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Best Buy | 16 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Walmart | 14 | 5 | 36% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a United States-region account between 15 Jul to 19 Aug 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
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 16 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.
- Walmart: 5 of 14 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
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Use the United States address Ubeit gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
What the numbers add up to
If you only need one subscription this is more than enough. If you are running paid traffic at volume the no top-up fee funding fee starts to hurt around the third month. If your only requirement is that the payment goes through, this range meets it.
The things people actually ask
What does the 522599 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Ubeit, country of issue United States, product class Credit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 522599 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 522599 be declined if the range is fine?
Of the 130 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 522599.
Can thousands of people share the same BIN?
That is the normal case. Every Credit card Ubeit issues in United States carries the same six digits. Two people on 522599 can get opposite results at the same checkout, which is why a single review is never conclusive.
What we did
We bought a Ubeit card, funded it, and pushed 130 charges through live merchant checkout pages between 15 Jul to 19 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 92 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 25 August 2026 · 130 charges on record for this range.