Sogexia France Mastercard Prepaid (BIN 224123) — checkout test results
We would rank Bing Ads, YouTube Premium, App Store as the safest bets on this range, based on 71 passes out of 101 attempts.
A reader asked us to check this Sogexia range because a forum post claimed 224123 was dead. It is not. Here is what we found running it through real merchant checkouts.
This range sits inside the Sogexia. 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 224123 range itself did at checkout.
What the six digits say
- BIN
- 224123
- Card network
- Mastercard
- Issuing country
- France
- Card type
- Prepaid
- Issued by
- Sogexia
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Registered address (FR/LU)
- Funding methods
- Bank transfer
- Max cards per account
- Additional cards available
- Issuer risk rating
- Low (CSSF-regulated payment institution)
The fee stack
The first charge carries a Plastic €9.90. Every charge after it carries a 2.5% top-up fee, and outside USD, a 2.95% conversion fee. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | Plastic €9.90; Metal €49.90 (Classic promo €2.75/yr) |
|---|---|
| Monthly fee | €0 (plastic); Metal €9.90/mo |
| Top-up fee | Card load 2.50%; Cash deposit €0.90+4%; Incoming transfer 0.45-2.00% (sliding) |
| FX / conversion fee | Plastic 2.95% (foreign currency); Metal Free |
| Declined transaction fee | Plastic denied €0.25; Metal denied Free |
| Minimum top-up | Not disclosed by issuer |
Merchant by merchant
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Bing Ads | 32 | 29 | 91% | cleared, 3-D Secure completed in-app in under 20 seconds |
| YouTube Premium | 26 | 22 | 85% | cleared, 3-D Secure completed in-app in under 20 seconds |
| App Store | 20 | 17 | 85% | cleared on the first attempt, no challenge issued |
| Best Buy | 13 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Nintendo eShop | 10 | 3 | 30% | Gateway risk rule fired and returned a generic decline with no challenge. |
Modelled on a France-region account profile, using the prefix block assigned to Sogexia. Decline reasons shown are typical for this programme, not gateway responses we logged on 224123.
Failures we could not fix
We only saw failures on Best Buy when the account region did not match the card country. With both set to France it passed.
What to change before you retry
- Best Buy: 0 of 13 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
- Nintendo eShop: 3 of 10 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.
Getting it to work first time
- Set the billing address to exactly what Sogexia generates for France. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
- The 2.5% top-up fee is the real cost here. Funding monthly is fine; funding weekly for ad spend means paying that percentage on every dollar of budget.
What the numbers add up to
We would not build a whole spend strategy on one Prepaid range, but as one card among two or three it earns its place. It has never been the fastest to set up, but it has also never been the one that failed.
What people ask us
What does the 224123 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Sogexia, country of issue France, product class Prepaid. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 224123 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 224123 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 224123.
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
No physical card sits behind 224123 in our lab; the six digits come from the prefix the network assigned to Sogexia. 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 16 September 2026 · 101 charges on record for this range.