Mastercard Virtual Card BIN 526280 - Lithuania (Prepaid)
Our log shows clean passes on Google Play, App Store, Steam, first charge and renewal both going through.
Range check: 526280, Mastercard, Lithuania, Prepaid, issuer MaxSwap Card. Below is the cost breakdown and the merchants where it held up.
Reading the 526280 prefix
- BIN
- 526280
- Card network
- Mastercard
- Issuing country
- Lithuania
- Card type
- Prepaid
- Issued by
- MaxSwap Card
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Custodial
- Funding methods
- Crypto
- Max cards per account
- Not published
- Issuer risk rating
- High
What it costs to run
Pricing, laid out: $25 per card to open a card, a 5% top-up fee every time you fund it, 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 | $25 per card |
|---|---|
| Monthly fee | — |
| Top-up fee | 5% (top-up fee) |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Play | 40 | 37 | 92% | no friction, and no AVS prompt |
| App Store | 33 | 29 | 88% | cleared first time; a second charge a week later also went through |
| Steam | 25 | 21 | 84% | cleared first time; a second charge a week later also went through |
| Sephora US | 16 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Nike US | 13 | 4 | 31% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Lithuania-region account between 11 Aug to 01 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
Two merchants gave us trouble, Sephora US and Nike US. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- Sephora US: 0 of 16 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.
- Nike US: 4 of 13 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.
Do these first
- Paste the Lithuania billing address MaxSwap Card generates rather than typing your own. One transposed digit is enough to fail the check.
- The 5% top-up fee is the real cost here. Funding monthly is fine; funding weekly for ad spend means paying that percentage on every dollar of budget.
- Our risk rating for this issuer is on the high side. Keep balances low and do not park money on the card between charges.
What the numbers add up to
If your merchants are mostly in Lithuania, 526280 is a reasonable default. If they are not, the no FX markup conversion cost will annoy you. We would put it in the second tier. Reliable, unremarkable, and cheap enough to keep around.
Questions we get about 526280
What does the 526280 BIN tell a merchant?
In practice the checkout reads MaxSwap Card / Lithuania / 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 526280 a real card number?
No, and this trips people up. 526280 is a range identifier shared across every card MaxSwap Card issues in Lithuania. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 526280 be declined if the range is fine?
Of the 127 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 526280.
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.
How we got these numbers
We bought a MaxSwap Card card, funded it, and pushed 127 charges through live merchant checkout pages between 11 Aug to 01 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 91 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 08 September 2026 · 127 charges on record for this range.