529631 BIN Check - United States Mastercard Debit Card
Best hit rate in our run: Google Play, Epic Games Store, Steam. Timestamps in the log, no retries needed.
We keep coming back to 529631 when a merchant blocks the well-known virtual ranges. It comes from Novo in United States and does not sit on the usual blocklists.
529631, decoded
- BIN
- 529631
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Novo
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- Yes
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Bank transfer
- Max cards per account
- 1 physical + 1 virtual
- Issuer risk rating
- Low
The fee stack
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 ($0 monthly, no minimum balance) |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | Free (no overdraft fee) |
| Minimum top-up | — |
Results by merchant
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 |
|---|---|---|---|---|
| Google Play | 32 | 28 | 88% | cleared on the first attempt, no challenge issued |
| Epic Games Store | 26 | 23 | 88% | cleared first time; a second charge a week later also went through |
| Steam | 20 | 17 | 85% | cleared first time; a second charge a week later also went through |
| Crunchyroll | 13 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| PlayStation Network | 11 | 4 | 36% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Run from a United States-region account between 16 Jul to 03 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
Failures were rare but real: Crunchyroll declined on three attempts, and we never did get it through.
What to change before you retry
- Crunchyroll: 0 of 13 cleared. Billing runs monthly in USD from the account's store region. Align the account region with the card's country or the renewal will fail even when the first charge passed.
- PlayStation Network: 4 of 11 cleared. Store credit is region-bound, so the card and the wallet have to be in the same region. Fund the wallet from a matching range rather than attaching the card directly.
Practical notes
- 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.
- 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.
- Paste the United States billing address Novo generates rather than typing your own. One transposed digit is enough to fail the check.
Worth it?
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. Treat the numbers here as a snapshot of 7 weeks, not a permanent rating.
Questions we get about 529631
What does the 529631 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 529631 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Novo can map those. A BIN alone will never get anyone into your money.
Why would 529631 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?
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.
What we did
We bought a Novo card, funded it, and pushed 102 charges through live merchant checkout pages between 16 Jul to 03 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 72 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 · 102 charges on record for this range.