547274 BIN Check - EEA (Europe) Mastercard Debit Card
Our log shows clean passes on Google Play, Epic Games Store, Steam, first charge and renewal both going through.
Zen runs this range for EEA (Europe). Six digits, Debit classification, Mastercard rails. Nothing clever about it, which is exactly why it keeps clearing.
The spec sheet
- BIN
- 547274
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- Zen
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EEA
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low-Medium
Costs, stacked up
On a monthly subscription the maths is easy: $5 issuance fee once, then no top-up fee. It only starts to bite when you fund the card repeatedly. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | $5 issuance fee |
|---|---|
| Monthly fee | Free (Pro plan paid) |
| Top-up fee | — |
| FX / conversion fee | 0.5% |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
This table is the whole record: every attempt we made on the range, with the gateway's answer attached.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Play | 101 | 94 | 93% | went through on a fresh card with the issuer's default address |
| Epic Games Store | 82 | 73 | 89% | no friction, and no AVS prompt |
| Steam | 63 | 54 | 86% | no friction, and no AVS prompt |
| Walmart | 41 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Target | 29 | 11 | 38% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a EEA (Europe)-region account between 25 Jun to 27 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
We only saw failures on Walmart when the account region did not match the card country. With both set to EEA (Europe) it passed.
What to change before you retry
- Walmart: 0 of 41 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
- Target: 11 of 29 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
- 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.
- 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.
- Paste the EEA (Europe) billing address Zen generates rather than typing your own. One transposed digit is enough to fail the check.
Final word
This is the range I would give someone who has never used a virtual card. Low balance requirement and the failure modes are easy to diagnose. We would put it in the second tier. Reliable, unremarkable, and cheap enough to keep around.
The things people actually ask
What does the 547274 BIN tell a merchant?
In practice the checkout reads Zen / EEA (Europe) / 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 547274 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Zen can map those. A BIN alone will never get anyone into your money.
Why would 547274 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?
Shared by design. Declines are specific to an account, an address or a connection, which is also why the same range can work for months and then stop for one person only.
How we got these numbers
We bought a Zen card, funded it, and pushed 316 charges through live merchant checkout pages between 25 Jun to 27 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 232 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 03 September 2026 · 316 charges on record for this range.