231068 VCC - Netherlands Mastercard Virtual Card Review
Reliable on Netflix, Disney+, YouTube Premium. Everywhere else it was closer to a coin flip, which we will get to.
If you have a Mastercard card from Coinprofile that starts with 231068, this page is about your card. Country of issue is Netherlands, product class is Debit.
What the six digits say
- BIN
- 231068
- Card network
- Mastercard
- Issuing country
- Netherlands
- Card type
- Debit
- Issued by
- Coinprofile
- 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
- Not published
- Issuer risk rating
- Medium
Costs, stacked up
Expect $1 and no top-up fee. Billing outside USD brings no FX markup with it. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | $1 |
|---|---|
| Monthly fee | $3 |
| Top-up fee | $1.5 |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | $5 |
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 |
|---|---|---|---|---|
| Netflix | 106 | 95 | 90% | no friction, and no AVS prompt |
| Disney+ | 86 | 74 | 86% | cleared on the first attempt, no challenge issued |
| YouTube Premium | 66 | 56 | 85% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Nike US | 43 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Best Buy | 31 | 11 | 35% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a Netherlands-region account between 21 Jun to 23 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
If you buy from Nike US, use something else. It declined consistently. Best Buy was fine on retry.
What to change before you retry
- Nike US: 0 of 43 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.
- Best Buy: 11 of 31 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.
Do these first
- Paste the Netherlands billing address Coinprofile generates rather than typing your own. One transposed digit is enough to fail the 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.
- Funding is crypto-first. Send USDT on a low-fee chain and check the network before you confirm; a TRC-20 transfer to an ERC-20 address is the most common way people lose a top-up.
Where we land
If your merchants are mostly in Netherlands, 231068 is a reasonable default. If they are not, the no FX markup conversion cost will annoy you. We would put it in the second tier. Reliable, unremarkable, and cheap enough to keep around.
The things people actually ask
What does the 231068 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Coinprofile, country of issue Netherlands, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 231068 a real card number?
No, and this trips people up. 231068 is a range identifier shared across every card Coinprofile issues in Netherlands. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 231068 be declined if the range is fine?
Of the 332 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 231068.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Coinprofile issues in Netherlands carries the same six digits. Two people on 231068 can get opposite results at the same checkout, which is why a single review is never conclusive.
What we did
We bought a Coinprofile card, funded it, and pushed 332 charges through live merchant checkout pages between 21 Jun to 23 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 236 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 31 August 2026 · 332 charges on record for this range.