531520 VCC - United Kingdom Mastercard Virtual Card Review
Tested across 6 weeks. Spotify Premium, Netflix, Disney+ held at or above 81 passes, and the failures clustered on two merchants only.
We added 531520 to the directory after it cleared a checkout that had already rejected two better-known ranges. It is a Debit Mastercard prefix from Kirshi, issued in United Kingdom.
531520, decoded
- BIN
- 531520
- Card network
- Mastercard
- Issuing country
- United Kingdom
- Card type
- Debit
- Issued by
- Kirshi
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Not published
- Max cards per account
- Not published
- Issuer risk rating
- Medium
Running costs
This is a Debit product, so there is no interest and no annual fee to model. Just no issuance fee, no top-up fee and no FX markup. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | Free |
|---|---|
| Monthly fee | — |
| Top-up fee | — |
| FX / conversion fee | Small FX fee (no official %; multi-currency wallet) |
| Declined transaction 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 |
|---|---|---|---|---|
| Spotify Premium | 36 | 33 | 92% | cleared on the first attempt, no challenge issued |
| Netflix | 29 | 25 | 86% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Disney+ | 23 | 19 | 83% | cleared on the first attempt, no challenge issued |
| Nike US | 14 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Crunchyroll | 13 | 4 | 31% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a United Kingdom-region account between 07 Jul to 18 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
One consistent miss: Nike US. That acquirer appears to blocklist the range. Crunchyroll also declined, though only once.
What to change before you retry
- Nike US: 0 of 14 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.
- Crunchyroll: 4 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.
Three things worth doing
- This range does not advertise 3-D Secure. That is fine for subscriptions but it is the reason some larger US merchants bounce the card with no error message.
- Set the billing address to exactly what Kirshi generates for United Kingdom. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
What the numbers add up to
It is the kind of card you forget about until a checkout fails, and then it is the one that works. If you find a merchant where it behaves differently, tell us and we will add it to the log.
What people ask us
What does the 531520 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Kirshi, country of issue United Kingdom, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 531520 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 531520 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?
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.
Test setup
We bought a Kirshi card, funded it, and pushed 115 charges through live merchant checkout pages between 07 Jul to 18 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 81 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 21 August 2026 · 115 charges on record for this range.