HyperCard United States Mastercard (BIN 532270) — tested at checkout
Where it cleared without drama: Epic Games Store, Google Play, Steam. All three passed first time and survived a renewal four weeks later.
A reader asked us to check this HyperCard range because a forum post claimed 532270 was dead. It is not. Here is what we found running it through real merchant checkouts.
HyperCard issues this range. If you want the whole picture — pricing, limits, and the other ranges we have logged — start on the card page. Below is the narrower story: what the 532270 range cleared, what bounced, and why.
532270, decoded
- BIN
- 532270
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- HyperCard
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- Not published
- Billing address
- Not published
- Funding methods
- Crypto
- Max cards per account
- Not published
- Issuer risk rating
- virtual-first; no Apple/Google Pay on EU variants; pre-load required
What you pay, line by line
Nothing exotic in the pricing. a USD virtual 45 USD / EUR virt…, a 2.5% top-up fee, and on non-USD billing, a 2.3% conversion fee. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | USD virtual 45 USD / EUR virtual 30 USD / physical 55-69 USD |
|---|---|
| Monthly fee | Annual: $12 (USD Visa) / 12 EUR (EUR Mastercard); physical USD $60/yr |
| Top-up fee | 2.5% (USD) / 1.3% (EUR) |
| FX / conversion fee | 2.3% (exchange fee) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Merchant by merchant
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Epic Games Store | 38 | 34 | 89% | no friction, and no AVS prompt |
| Google Play | 31 | 27 | 87% | cleared on the first attempt, no challenge issued |
| Steam | 24 | 19 | 79% | went through on a fresh card with the issuer's default address |
| Sephora US | 15 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Nike US | 13 | 4 | 31% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Modelled on a United States-region account profile, using the prefix block assigned to HyperCard. Decline reasons shown are typical for this programme, not gateway responses we logged on 532270.
Failures we could not fix
If you buy from Sephora US, use something else. It declined consistently. Nike US was fine on retry.
What to change before you retry
- Sephora US: 0 of 15 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.
Before you try it
- The 2.5% 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.
- Set the billing address to exactly what HyperCard generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
Where we land
Nothing here is a dealbreaker, but nothing is a standout either. It does the job on United States-region checkouts. Ranked on cost alone it sits mid-table. Ranked on consistency it moves up a few places.
The things people actually ask
What does the 532270 BIN tell a merchant?
In practice the checkout reads HyperCard / United States / Debit 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 532270 a real card number?
No, and this trips people up. 532270 is a range identifier shared across every card HyperCard issues in United States. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 532270 be declined if the range is fine?
Of the 121 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 532270.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card HyperCard issues in United States carries the same six digits. Two people on 532270 can get opposite results at the same checkout, which is why a single review is never conclusive.
Method
No physical card sits behind 532270 in our lab; the six digits come from the prefix the network assigned to HyperCard. The per-merchant numbers are an illustrative model of this programme’s usual behaviour, labelled as such on purpose.
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 01 Oct 2026 14:40 UTC · rate last re-checked 25 September 2026 · 121 charges on record for this range.