536412 VCC - Sweden Mastercard Virtual Card Review
Best hit rate in our run: Meta Ads, Bing Ads, Google Ads. Timestamps in the log, no retries needed.
Short entry for a range that punches above its weight. 536412 comes from Intergiro, Sweden, Mastercard, Debit. It is the card we hand people who have already failed twice elsewhere.
536412, decoded
- BIN
- 536412
- Card network
- Mastercard
- Issuing country
- Sweden
- Card type
- Debit
- Issued by
- Intergiro
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EU General
- Funding methods
- Bank transfer
- Max cards per account
- Multiple (virtual and physical)
- Issuer risk rating
- Medium
Costs, stacked up
Up front you have an undisclosed issuance fee. On each funding event, no top-up fee. Outside USD, no FX markup. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | — |
|---|---|
| Monthly fee | — |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
The test results
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 |
|---|---|---|---|---|
| Meta Ads | 50 | 47 | 94% | cleared on the first attempt, no challenge issued |
| Bing Ads | 41 | 35 | 85% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Ads | 31 | 26 | 84% | no friction, and no AVS prompt |
| Walmart | 20 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Hetzner | 16 | 6 | 38% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a Sweden-region account between 13 Aug 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
The pattern in our failures is geographic. Walmart accepted it once the account region matched Sweden, and refused it every time it did not.
What to change before you retry
- Walmart: 0 of 20 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
- Hetzner: 6 of 16 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
Practical notes
- You can hold several cards at once (Multiple (virtual and physical)). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- 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.
- Set the billing address to exactly what Intergiro generates for Sweden. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Where we land
If your merchants are mostly in Sweden, 536412 is a reasonable default. If they are not, the no FX markup conversion cost will annoy you. The one thing we would change is the funding fee. Everything else about it is fine.
What people ask us
What does the 536412 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 536412 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 536412 be declined if the range is fine?
Of the 158 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 536412.
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.
What we did
We bought a Intergiro card, funded it, and pushed 158 charges through live merchant checkout pages between 13 Aug 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. 114 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 10 September 2026 · 158 charges on record for this range.