Mastercard Virtual Card BIN 537037 - United States (Debit)
Strongest results on Steam, Google Play, App Store. Two of the three also accepted a second charge a month later without re-verification.
Range check: 537037, Mastercard, United States, Debit, issuer Perpay Credit Card. Below is the cost breakdown and the merchants where it held up.
What 537037 actually is
- BIN
- 537037
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Perpay Credit Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Not published
- Max cards per account
- 1
- Issuer risk rating
- Low
What it costs to run
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. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | Free |
|---|---|
| Monthly fee | $9/month service fee |
| Top-up fee | — |
| FX / conversion fee | 3% |
| Declined transaction fee | $24 late fee |
| Minimum top-up | — |
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 |
|---|---|---|---|---|
| Steam | 102 | 96 | 94% | no friction, and no AVS prompt |
| Google Play | 82 | 74 | 90% | cleared on the first attempt, no challenge issued |
| App Store | 63 | 52 | 83% | cleared first time; a second charge a week later also went through |
| Nintendo eShop | 41 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Hetzner | 31 | 11 | 35% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a United States-region account between 27 Jun to 15 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
Two merchants gave us trouble, Nintendo eShop and Hetzner. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- Nintendo eShop: 0 of 41 cleared. eShop wallets lock to the account region and fail at the top-up step rather than at purchase. Change the account region first, then attach the card.
- Hetzner: 11 of 31 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.
Three things worth doing
- The billing address is fixed to the issuer's default United States commercial address. Do not try to substitute your own, the AVS check compares against theirs.
- Set the billing address to exactly what Perpay Credit Card generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
Where we land
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. Ranked on cost alone it sits mid-table. Ranked on consistency it moves up a few places.
FAQ
What does the 537037 BIN tell a merchant?
In practice the checkout reads Perpay Credit Card / 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 537037 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Perpay Credit Card can map those. A BIN alone will never get anyone into your money.
Why would 537037 be declined if the range is fine?
Of the 319 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 537037.
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.
How we got these numbers
We bought a Perpay Credit Card card, funded it, and pushed 319 charges through live merchant checkout pages between 27 Jun to 15 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 233 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 22 August 2026 · 319 charges on record for this range.