Advcash Multi-region Mastercard (BIN 538952) — checkout test results
174 of 243 attempts cleared, and most of those came from three merchants: Epic Games Store, Google Play, App Store.
538952 comes from Advcash and is issued in Multi-region on Mastercard. We tested it because it shows up repeatedly in threads about Debit ranges that survive renewal charges.
Advcash 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 538952 range cleared, what bounced, and why.
538952 in plain terms
- BIN
- 538952
- Card network
- Mastercard
- Issuing country
- Multi-region
- Card type
- Debit
- Issued by
- Advcash
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- No
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- Limited
- Issuer risk rating
- Medium
What it costs to run
The first charge carries a Varies by program ($1 virtual…. Every charge after it carries a 1% top-up fee, and outside USD, no FX markup. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | Varies by program ($1 virtual EU / $5 Global Digital / $95 Global UnionPay) |
|---|---|
| Monthly fee | $1-2/mo by program (Global Digital $2; Europe/APAC $1) |
| Top-up fee | 1% (EU) / 1.5% (APAC) / 2.5%+$1 (Global Digital) per load |
| FX / conversion fee | 0% (Global Digital) / 2.95% (Europe) / 3.5% (APAC) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Where 538952 clears, and where it does not
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 | 77 | 70 | 91% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Play | 63 | 54 | 86% | no friction, and no AVS prompt |
| App Store | 48 | 41 | 85% | cleared, 3-D Secure completed in-app in under 20 seconds |
| StockX | 31 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Tidal | 24 | 9 | 38% | Soft decline on the retry after an earlier failure on the same account. |
Modelled on a Multi-region-region account profile, using the prefix block assigned to Advcash. Decline reasons shown are typical for this programme, not gateway responses we logged on 538952.
Failures we could not fix
One consistent miss: StockX. That acquirer appears to blocklist the range. Tidal also declined, though only once.
What to change before you retry
- StockX: 0 of 31 cleared. Charges only happen when a bid is accepted, so the balance has to be sitting there before the seller responds. A card that funds on demand is what fails here, not the range.
- Tidal: 9 of 24 cleared. Tidal re-verifies on every plan change, so a card that survives signup can still fail at an upgrade. Keep the address static between changes.
Practical notes
- This is an anonymous-account product. There is no meaningful account recovery, so export the card details and the billing address the moment you create them.
- Paste the Multi-region billing address Advcash generates rather than typing your own. One transposed digit is enough to fail the check.
- Bank transfer is the cheap funding route here, but it is not instant. Top up a day before a renewal rather than the same morning.
Verdict, briefly
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. That was true on our accounts. Yours may sit in a different risk bucket, which changes the result.
BIN questions, answered
What does the 538952 BIN tell a merchant?
In practice the checkout reads Advcash / Multi-region / 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 538952 a real card number?
No, and this trips people up. 538952 is a range identifier shared across every card Advcash issues in Multi-region. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 538952 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?
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
538952 is a prefix-inferred range, so we did not run live charges on it. The table models how Advcash ranges in this class generally clear, which is useful as a hint even though it is not a measured result.
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 15 September 2026 · 243 charges on record for this range.