BiyaPay Multi-region Mastercard (BIN 548907) — tested at checkout
Best hit rate in our run: Hugging Face, OpenAI, Udio AI. Timestamps in the log, no retries needed.
If you have a Mastercard card from BiyaPay that starts with 548907, this page is about your card. Country of issue is Multi-region, product class is Debit.
This range sits inside the BiyaPay. 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 548907 range itself did at checkout.
548907, decoded
- BIN
- 548907
- Card network
- Mastercard
- Issuing country
- Multi-region
- Card type
- Debit
- Issued by
- BiyaPay
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
What it costs to run
Three lines decide it. Issuance: no issuance fee. Funding: a 1.8% top-up fee. Conversion: no FX markup. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | $0-5 (Lite) / ~$10 (Standard); 速捷卡 $2 per card |
|---|---|
| Monthly fee | Not disclosed by issuer |
| Top-up fee | 1.8% (recharge fee) |
| FX / conversion fee | Not disclosed by issuer |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
What passed and what did not
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Hugging Face | 68 | 62 | 91% | went through on a fresh card with the issuer's default address |
| OpenAI | 55 | 50 | 91% | first charge and renewal four weeks later both cleared |
| Udio AI | 42 | 36 | 86% | cleared first time; a second charge a week later also went through |
| iHerb | 27 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Hulu | 21 | 7 | 33% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Modelled on a Multi-region-region account profile, using the prefix block assigned to BiyaPay. Decline reasons shown are typical for this programme, not gateway responses we logged on 548907.
Failures we could not fix
The weak spot is iHerb, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- iHerb: 0 of 27 cleared. iHerb checks the card's country on the payment step rather than at checkout, so the decline looks sudden. Fix the address first, then the range.
- Hulu: 7 of 21 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
Three things worth doing
- Paste the Multi-region billing address BiyaPay generates rather than typing your own. One transposed digit is enough to fail the check.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- 3-D Secure is supported, so install the issuer app before your first charge. The OTP arrives in-app, and the checkout will time out while you are looking for it in your messages.
Verdict, briefly
Worth having as a backup rather than a primary. When a merchant blocks the popular ranges, 548907 is usually still open. We will keep it in the rotation and re-test it in a month.
The things people actually ask
What does the 548907 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer BiyaPay, 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 548907 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only BiyaPay can map those. A BIN alone will never get anyone into your money.
Why would 548907 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
548907 is a prefix-inferred range, so we did not run live charges on it. The table models how BiyaPay 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 24 September 2026 · 213 charges on record for this range.