SafePal Card Mastercard EEA (Europe) virtual card (BIN 539209): what cleared
The three places it never failed: Steam, App Store, Epic Games Store. Everything above 90% success in the log traces back to those.
We keep coming back to 539209 when a merchant blocks the well-known virtual ranges. It comes from SafePal Card in EEA (Europe) and does not sit on the usual blocklists.
This is one of the ranges behind SafePal Card. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 539209 range and what it actually did when we ran charges through it.
What the six digits say
- BIN
- 539209
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- SafePal Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Crypto
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
Running costs
Nothing exotic in the pricing. no issuance fee, no top-up fee, and on non-USD billing, no FX markup. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | 0% (EUR/CHF/USD/CNY); 1% other |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Cleared versus declined
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 107 | 101 | 94% | cleared on the first attempt, no challenge issued |
| App Store | 87 | 77 | 89% | cleared first time; a second charge a week later also went through |
| Epic Games Store | 67 | 56 | 84% | no friction, and no AVS prompt |
| Sephora US | 43 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Hetzner | 31 | 11 | 35% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Modelled on a EEA (Europe)-region account profile, using the prefix block assigned to SafePal Card. Decline reasons shown are typical for this programme, not gateway responses we logged on 539209.
Failures we could not fix
Sephora US is the one to avoid. Its fraud rules appear to treat Debit ranges as high risk by default.
What to change before you retry
- Sephora US: 0 of 43 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.
- 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.
Setup notes for SafePal Card
- 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.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Use the EEA (Europe) address SafePal Card gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Worth it?
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. If your only requirement is that the payment goes through, this range meets it.
What people ask us
What does the 539209 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 539209 a real card number?
No, and this trips people up. 539209 is a range identifier shared across every card SafePal Card issues in EEA (Europe). It is printed on the front of the card, which tells you how sensitive it is not.
Why would 539209 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
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
539209 is a prefix-inferred range, so we did not run live charges on it. The table models how SafePal Card 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 21 September 2026 · 335 charges on record for this range.