UPay Multi-region Mastercard Debit (BIN 541527) — checkout test results
Reliable on Steam, Google Play, App Store. Everywhere else it was closer to a coin flip, which we will get to.
If you have a Mastercard card from UPay that starts with 541527, this page is about your card. Country of issue is Multi-region, product class is Debit.
This range sits inside the UPay. The card page covers what it costs to open and reload, what the sign-up asks for, and every other range we have logged under this issuer — this page goes one level deeper, into what the 541527 range itself did at checkout.
541527 in plain terms
- BIN
- 541527
- Card network
- Mastercard
- Issuing country
- Multi-region
- Card type
- Debit
- Issued by
- UPay
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- 1 card
- Issuer risk rating
- Medium
The fee stack
Nothing exotic in the pricing. $10 virtual / 100 USDT physic…, a 0.5% top-up fee, and on non-USD billing, a 2% conversion fee. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | $10 virtual / 100 USDT physical |
|---|---|
| Monthly fee | Free |
| Top-up fee | Free (up to 0.5% txn fee waived) |
| FX / conversion fee | 1-2% |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Merchant by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 40 | 36 | 90% | first charge and renewal four weeks later both cleared |
| Google Play | 33 | 28 | 85% | no friction, and no AVS prompt |
| App Store | 25 | 21 | 84% | first charge and renewal four weeks later both cleared |
| Nintendo eShop | 16 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Target | 13 | 4 | 31% | Gateway risk rule fired and returned a generic decline with no challenge. |
Modelled on a Multi-region-region account profile, using the prefix block assigned to UPay. Decline reasons shown are typical for this programme, not gateway responses we logged on 541527.
Failures we could not fix
The pattern in our failures is geographic. Nintendo eShop accepted it once the account region matched Multi-region, and refused it every time it did not.
What to change before you retry
- Nintendo eShop: 0 of 16 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.
- Target: 4 of 13 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
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 UPay generates rather than typing your own. One transposed digit is enough to fail the check.
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
What the numbers add up to
The 3-D Secure behaviour is the reason we keep it. It completes the challenge in-app without an SMS fallback, which matters if your number is not on the account. The pattern across all 127 attempts was consistent, which is the most useful thing you can say about a card range.
What people ask us
What does the 541527 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer UPay, country of issue Multi-region, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 541527 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 541527 be declined if the range is fine?
Of the 127 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 541527.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card UPay issues in Multi-region carries the same six digits. Two people on 541527 can get opposite results at the same checkout, which is why a single review is never conclusive.
Method
This range is inferred from the network prefix block assigned to UPay, not taken from a card we bought. The merchant breakdown below is a modelled illustration of how ranges in this programme typically perform, not a log of charges we ran on 541527 itself.
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 19 September 2026 · 127 charges on record for this range.