523092 BIN Check - United States Mastercard Prepaid Card
Reliable on Epic Games Store, Steam, Meta Ads. Everywhere else it was closer to a coin flip, which we will get to.
523092 appears on Mastercard cards issued by Wasabicard to United States customers. That is the whole identification. Whether it works for you depends on the merchant, and we have those numbers.
The spec sheet
- BIN
- 523092
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Prepaid
- Issued by
- Wasabicard
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Customizable
- Funding methods
- Crypto · Alipay / WeChat · Bank transfer
- Max cards per account
- Batch card issuance (no clear limit)
- Issuer risk rating
- High
What it costs to run
Pricing, laid out: a Virtual card $10 to open a card, a 1% top-up fee every time you fund it, and no FX markup on conversion. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | Virtual card $10; physical card $299 |
|---|---|
| Monthly fee | Free |
| Top-up fee | 1% (top-up fee); some sources say 2% |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | $20 (minimum first deposit to activate) |
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 |
|---|---|---|---|---|
| Epic Games Store | 44 | 40 | 91% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Steam | 35 | 31 | 89% | no friction, and no AVS prompt |
| Meta Ads | 27 | 22 | 81% | first charge and renewal four weeks later both cleared |
| Walmart | 17 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Best Buy | 15 | 5 | 33% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Run from a United States-region account between 19 Jun to 04 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 pattern in our failures is geographic. Walmart accepted it once the account region matched United States, and refused it every time it did not.
What to change before you retry
- Walmart: 0 of 17 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.
- Best Buy: 5 of 15 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.
Setup notes for Wasabicard
- Set the billing address to exactly what Wasabicard generates for United States. 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.
- Wasabicard lets you edit the billing address. Keep one version per merchant and reuse the exact string; rotating it mid-subscription is what breaks renewals.
Our call
The 3-D Secure behaviour is the reason we keep it. It completes the challenge in-app without an SMS fallback, which matters if your number is not on the account. Treat the numbers here as a snapshot of 11 weeks, not a permanent rating.
BIN questions, answered
What does the 523092 BIN tell a merchant?
In practice the checkout reads Wasabicard / United States / Prepaid 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 523092 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 523092 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 Prepaid card Wasabicard issues in United States carries the same six digits. Two people on 523092 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
We bought a Wasabicard card, funded it, and pushed 138 charges through live merchant checkout pages between 19 Jun to 04 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 98 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 06 September 2026 · 138 charges on record for this range.