In the world of cross-border payments and global ad spending, choosing the right BIN (Bank Identification Number) for your virtual card is more than just a technical detail—it directly impacts payment success rates, cost control, and platform compatibility.
Buvei offers multiple BINs across Hong Kong, the US, and the UK, covering both Mastercard and Visa networks. These BINs are tailored to advertisers, e-commerce sellers, and SaaS companies that require reliable and flexible payment tools.
Transparent Fee Structure
Buvei provides a clear and predictable pricing model across all BINs:
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Card Issuance Fee: $5 per card (some special BINs up to $10)
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Top-up Fee: 2.5% flat
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Transaction Fee: $0.25 per transaction (selected BINs offer $0)
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Monthly Fee: $0.00, with no hidden charges
This structure gives businesses the flexibility to choose BINs based on transaction volume, cost sensitivity, and payment needs.
BINs and Their Use Cases
525797 (Mastercard · HK)
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Key Features: Hong Kong-issued, B2B-level Mastercard, widely supported for global business payments.
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Best For:
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Funding Google Ads, Meta Ads, TikTok Ads accounts
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Subscribing to SaaS tools like ChatGPT Plus, Zoom, Notion, AWS
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Procurement on Amazon, AliExpress, Temu
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Asian enterprises managing overseas transactions
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256000 (Mastercard · GB)
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Key Features: UK-issued Mastercard, optimized for GBP transactions.
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Best For:
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Funding UK/EU ad accounts (Google UK, TikTok UK)
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SaaS subscriptions including Office 365, Dropbox, Slack
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Procurement on Etsy, Amazon EU
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Cross-border sellers targeting European customers
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238003 (Mastercard · GB)
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Key Features: UK BIN with competitive issuance fees, broad Mastercard coverage.
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Best For:
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Multi-platform ad account management
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Cross-border supplier payments
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European SaaS subscriptions
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Cost-sensitive e-commerce sellers
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539502 (Mastercard · HK)
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Key Features: Zero transaction fees, ideal for frequent and high-volume use.
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Best For:
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Agencies managing high-frequency ad recharges
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Team SaaS accounts (Notion Teams, Slack Enterprise)
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Small-batch procurement on AliExpress, Temu
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Cost optimization for advertising companies
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525847 (Mastercard · HK)
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Key Features: $10 issuance fee, but higher stability and reliability.
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Best For:
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Binding to high-value ad accounts where payment success is critical
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Enterprise-level SaaS plans with recurring payments
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Scenarios prioritizing payment stability over cost
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How to Choose the Right BIN?
| Business Need | Recommended BIN | Why |
|---|---|---|
| Ad spending across multiple accounts/regions | 539502 (HK) | Zero transaction fees, ideal for agencies |
| Global SaaS subscriptions | 525797 (HK), 400242 (Visa) | High compatibility with SaaS platforms |
| Cross-border e-commerce procurement | 256000 / 238003 (GB) | Optimized for Europe, stable transactions |
| Cost-sensitive users | 525797 (HK), 238003 (GB) | Low issuance fee, only $5 per card |
| High-value or mission-critical payments | 525847 (HK) | Stronger stability and reliability |
Conclusion
With multiple BIN options across Visa and Mastercard networks, Buvei empowers businesses to streamline payments for advertising, SaaS subscriptions, and e-commerce procurement. Its transparent fee structure and global BIN coverage make it easier for companies to optimize both cost efficiency and payment success rates.
🚀 Whether you are an advertiser, SaaS team, or cross-border e-commerce seller, Buvei offers the right BIN to help you achieve seamless, secure, and scalable payments.
