BIN 549706 (United States, Mastercard) - What It Works On
71 of 101 attempts cleared, and most of those came from three merchants: Steam, Google Play, Epic Games Store.
We keep coming back to 549706 when a merchant blocks the well-known virtual ranges. It comes from BitPay in United States and does not sit on the usual blocklists.
549706, decoded
- BIN
- 549706
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- BitPay
- 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
- 1 card per account
- Issuer risk rating
- Low
Running costs
The signup cost is easy to compare and mostly irrelevant. What follows you around is no top-up fee, with a 3% conversion fee sitting behind it. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | Free (no issuance fee for some tiers) |
|---|---|
| Monthly fee | Free (no annual fee) |
| Top-up fee | — |
| FX / conversion fee | 3% foreign transaction fee |
| Declined transaction fee | $2.50 ATM withdrawal |
| Minimum top-up | — |
The test results
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 |
|---|---|---|---|---|
| Steam | 32 | 30 | 94% | first charge and renewal four weeks later both cleared |
| Google Play | 26 | 22 | 85% | cleared first time; a second charge a week later also went through |
| Epic Games Store | 20 | 16 | 80% | cleared on the first attempt, no challenge issued |
| Nintendo eShop | 13 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Nike US | 10 | 3 | 30% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Run from a United States-region account between 21 Jul to 25 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
It failed twice on Nintendo eShop, both times on an AVS mismatch rather than a range block. Setting the billing address to the issuer default fixed it.
What to change before you retry
- Nintendo eShop: 0 of 13 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.
- Nike US: 3 of 10 cleared. Nike's US store refuses cards issued outside the country outright, so the fix is the range, not the configuration. A domestic-issued range clears; a foreign one never will.
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.
- 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.
- Use the United States address BitPay gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Where we land
We would rank it above average and below the top tier. The difference is the 3% foreign transaction fee conversion fee, which the better ranges do not charge. We would put it in the second tier. Reliable, unremarkable, and cheap enough to keep around.
FAQ
What does the 549706 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 549706 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only BitPay can map those. A BIN alone will never get anyone into your money.
Why would 549706 be declined if the range is fine?
Of the 101 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 549706.
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 BitPay card, funded it, and pushed 101 charges through live merchant checkout pages between 21 Jul to 25 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 71 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 30 August 2026 · 101 charges on record for this range.