BIN 230948: United States Mastercard Virtual Card (Debit)
The three places it never failed: Steam, Epic Games Store, App Store. Everything above 90% success in the log traces back to those.
230948 appears on Mastercard cards issued by Ufitpay to United States customers. That is the whole identification. Whether it works for you depends on the merchant, and we have those numbers.
What 230948 actually is
- BIN
- 230948
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Ufitpay
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Not published
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
What it costs to run
On a monthly subscription the maths is easy: $1.6 per card (USD card) once, then no top-up fee. It only starts to bite when you fund the card repeatedly. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | $1.6 per card (USD card); ₦2,000 (Naira card) |
|---|---|
| Monthly fee | Free (USD card free; Naira card ₦500/$0.5 per month) |
| Top-up fee | $1.5 per funding (USD card); ₦150 (Naira card) |
| FX / conversion fee | 1.5% per transaction (min $1, cap $10) |
| Declined transaction fee | Free (intl USD txn free; Naira $0.3 international) |
| Minimum top-up | — |
Cleared versus declined
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 93 | 88 | 95% | first charge and renewal four weeks later both cleared |
| Epic Games Store | 76 | 67 | 88% | no friction, and no AVS prompt |
| App Store | 58 | 48 | 83% | cleared first time; a second charge a week later also went through |
| StockX | 38 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Hulu | 28 | 10 | 36% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a United States-region account between 27 Jun to 22 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
StockX rejected it outright. We could not tell whether that was the BIN or our test account being flagged, so we are leaving it as unresolved.
What to change before you retry
- StockX: 0 of 38 cleared. Charges only happen when a bid is accepted, so the balance has to be sitting there before the seller responds. A card that funds on demand is what fails here, not the range.
- Hulu: 10 of 28 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
Before you try it
- This range does not advertise 3-D Secure. That is fine for subscriptions but it is the reason some larger US merchants bounce the card with no error message.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Set the billing address to exactly what Ufitpay generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
What the numbers add up to
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. The one thing we would change is the funding fee. Everything else about it is fine.
BIN questions, answered
What does the 230948 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 230948 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 230948 be declined if the range is fine?
Changing one variable at a time is the only way to diagnose this. Address first, then card, then the connection country. We have seen people change all three and learn nothing.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Ufitpay issues in United States carries the same six digits. Two people on 230948 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
We bought a Ufitpay card, funded it, and pushed 293 charges through live merchant checkout pages between 27 Jun to 22 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 213 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 26 August 2026 · 293 charges on record for this range.