541959 Virtual Card Review - United States Mastercard Prepaid
Best hit rate in our run: Midjourney, Disney+, OpenAI. Timestamps in the log, no retries needed.
The first thing to know about 541959 is that it is not an anonymous range. Pikabao issues it in United States and the Mastercard prefix is registered, which is why fewer merchants treat it as high risk.
What the six digits say
- BIN
- 541959
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Prepaid
- Issued by
- Pikabao
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Yes
- AVS check
- Yes (US AVS)
- Billing address
- US General / HK General
- Funding methods
- Crypto · Alipay / WeChat
- Max cards per account
- Multiple (multi-card management)
- Issuer risk rating
- High
Running costs
The money side is simple: $2-3 (US card), a 3% top-up fee, and a 0.5% conversion fee on anything billed outside USD. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | $2-3 (US card); $0.10-$0.50 (US per-card); 10U (HK card) |
|---|---|
| Monthly fee | Free (no monthly fee) |
| Top-up fee | 3% (USDT top-up) |
| FX / conversion fee | $0.10/transaction + 0.5% FX (interbank+$0.5%) |
| Declined transaction fee | — |
| Minimum top-up | 20U minimum |
The test results
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Midjourney | 105 | 97 | 92% | cleared first time; a second charge a week later also went through |
| Disney+ | 85 | 77 | 91% | first charge and renewal four weeks later both cleared |
| OpenAI | 65 | 53 | 82% | first charge and renewal four weeks later both cleared |
| Crunchyroll | 42 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Hetzner | 32 | 12 | 38% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a United States-region account between 18 Jun to 13 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
If you buy from Crunchyroll, use something else. It declined consistently. Hetzner was fine on retry.
What to change before you retry
- Crunchyroll: 0 of 42 cleared. Billing runs monthly in USD from the account's store region. Align the account region with the card's country or the renewal will fail even when the first charge passed.
- Hetzner: 12 of 32 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
- Paste the United States billing address Pikabao generates rather than typing your own. One transposed digit is enough to fail the check.
- Funding is crypto-first. Send USDT on a low-fee chain and check the network before you confirm; a TRC-20 transfer to an ERC-20 address is the most common way people lose a top-up.
- 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.
What the numbers add up to
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. Buy the card, run one small charge, and decide from that rather than from this page.
The things people actually ask
What does the 541959 BIN tell a merchant?
In practice the checkout reads Pikabao / United States / Prepaid 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 541959 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 541959 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
We bought a Pikabao card, funded it, and pushed 329 charges through live merchant checkout pages between 18 Jun to 13 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 239 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 21 August 2026 · 329 charges on record for this range.