PayPal United States Mastercard (BIN 546293) — checkout test results
Straight runs on App Store, Netflix, Disney+. No 3-D Secure loops, no AVS rejections, no manual review flags.
A reader asked us to check this PayPal range because a forum post claimed 546293 was dead. It is not. Here is what we found running it through real merchant checkouts.
This range sits inside the PayPal. 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 546293 range itself did at checkout.
What the six digits say
- BIN
- 546293
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- PayPal
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- PayPal Key discontinued
- Issuer risk rating
- Low
What it costs to run
Budget for no issuance fee, no top-up fee, and a no decline fee penalty on declined authorizations. That last one only matters if you are pushing a lot of small charges. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | Cross-border ~2.5-4% |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
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 |
|---|---|---|---|---|
| App Store | 48 | 44 | 92% | first charge and renewal four weeks later both cleared |
| Netflix | 39 | 34 | 87% | cleared first time; a second charge a week later also went through |
| Disney+ | 30 | 24 | 80% | no friction, and no AVS prompt |
| Target | 19 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| PlayStation Network | 14 | 5 | 36% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Modelled on a United States-region account profile, using the prefix block assigned to PayPal. Decline reasons shown are typical for this programme, not gateway responses we logged on 546293.
Failures we could not fix
Target is the one to avoid. Its fraud rules appear to treat Debit ranges as high risk by default.
What to change before you retry
- Target: 0 of 19 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.
- PlayStation Network: 5 of 14 cleared. Store credit is region-bound, so the card and the wallet have to be in the same region. Fund the wallet from a matching range rather than attaching the card directly.
Three things worth doing
- Watch the 4% conversion fee. Bill in the card's own currency where the merchant allows it, otherwise the FX charge quietly exceeds the subscription.
- 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.
- Use the United States address PayPal gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Where we land
Two things decide it. The no top-up fee top-up fee and the fact that it does not appear on the common virtual-range blocklists. Both work in its favour. If you find a merchant where it behaves differently, tell us and we will add it to the log.
Questions we get about 546293
What does the 546293 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 546293 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 546293 be declined if the range is fine?
Of the 150 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 546293.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card PayPal issues in United States carries the same six digits. Two people on 546293 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
No physical card sits behind 546293 in our lab; the six digits come from the prefix the network assigned to PayPal. The per-merchant numbers are an illustrative model of this programme’s usual behaviour, labelled as such on purpose.
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 · 150 charges on record for this range.