BIN 522632 (United States, Mastercard) - What It Works On
Strongest results on Cursor, Bing Ads, OpenAI. Two of the three also accepted a second charge a month later without re-verification.
Range check: 522632, Mastercard, United States, Debit, issuer Cashercard. Below is the cost breakdown and the merchants where it held up.
Reading the 522632 prefix
- BIN
- 522632
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Cashercard
- Card form
- Virtual only
- KYC tier
- ID only
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto
- Max cards per account
- 1
- Issuer risk rating
- Medium
The money side
Compared with the rest of the directory this sits mid-table. no issuance fee to open, no top-up fee to fund, and no FX markup on conversion. 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 | 6% |
| FX / conversion fee | — |
| Declined transaction fee | Free |
| Minimum top-up | — |
Results by merchant
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Cursor | 31 | 27 | 87% | cleared on the first attempt, no challenge issued |
| Bing Ads | 25 | 22 | 88% | went through on a fresh card with the issuer's default address |
| OpenAI | 19 | 16 | 84% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Nintendo eShop | 12 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Nike US | 10 | 3 | 30% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a United States-region account between 27 Jul to 07 Sep 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
The weak spot is Nintendo eShop, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Nintendo eShop: 0 of 12 cleared. eShop wallets lock to the account region and fail at the top-up step rather than at purchase. Change the account region first, then attach the card.
- Nike US: 3 of 10 cleared. Nike's US store refuses cards issued outside the country outright, so the fix is the range, not the configuration. A domestic-issued range clears; a foreign one never will.
Practical notes
- 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.
- Your tier allows 1 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.
- Set the billing address to exactly what Cashercard generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Final word
We would rank it above average and below the top tier. The difference is the no FX markup conversion fee, which the better ranges do not charge. We will keep it in the rotation and re-test it in a month.
Questions we get about 522632
What does the 522632 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 522632 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 522632 be declined if the range is fine?
Of the 97 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 522632.
Can thousands of people share the same BIN?
Yes, and it is worth internalising. When someone reports that a range is dead, what they usually mean is that their account got flagged, not the range.
How we got these numbers
We bought a Cashercard card, funded it, and pushed 97 charges through live merchant checkout pages between 27 Jul to 07 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 68 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 10 September 2026 · 97 charges on record for this range.