Mastercard Virtual Card BIN 527911 - Canada (Debit)
Straight runs on Bing Ads, Meta Ads, Google Ads. No 3-D Secure loops, no AVS rejections, no manual review flags.
Not every range needs a long write-up. This one is Stellar Card, Canada, Mastercard, Debit, and it does the job without much fuss.
527911 in plain terms
- BIN
- 527911
- Card network
- Mastercard
- Issuing country
- Canada
- Card type
- Debit
- Issued by
- Stellar Card
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- Multiple (shared balance, no manual top-ups)
- Issuer risk rating
- Medium-High
Costs, stacked up
Up front you have a Varies (monthly fees + minimu…. On each funding event, no top-up fee. Outside USD, no FX markup. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | Varies (monthly fees + minimum deposits apply) |
|---|---|
| Monthly fee | — |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Where 527911 clears, and where it does not
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 |
|---|---|---|---|---|
| Bing Ads | 83 | 76 | 92% | no friction, and no AVS prompt |
| Meta Ads | 67 | 59 | 88% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Ads | 52 | 44 | 85% | cleared first time; a second charge a week later also went through |
| Target | 33 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Hulu | 26 | 9 | 35% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Run from a Canada-region account between 26 Jul to 30 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
The weak spot is Target, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Target: 0 of 33 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
- Hulu: 9 of 26 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
Getting it to work first time
- Paste the Canada billing address Stellar Card generates rather than typing your own. One transposed digit is enough to fail the check.
- Bank transfer is the cheap funding route here, but it is not instant. Top up a day before a renewal rather than the same morning.
- You can hold several cards at once (Multiple (shared balance, no manual top…). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
What the numbers add up to
If your merchants are mostly in Canada, 527911 is a reasonable default. If they are not, the no FX markup conversion cost will annoy you. No range stays clean forever, so check back before you rely on it for a large charge.
FAQ
What does the 527911 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 527911 a real card number?
No, and this trips people up. 527911 is a range identifier shared across every card Stellar Card issues in Canada. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 527911 be declined if the range is fine?
Changing one variable at a time is the only way to diagnose this. Address first, then card, then the connection country. We have seen people change all three and learn nothing.
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.
Test setup
We bought a Stellar Card card, funded it, and pushed 261 charges through live merchant checkout pages between 26 Jul to 30 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 188 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 07 September 2026 · 261 charges on record for this range.