vizovcc limited Ireland Mastercard Prepaid (BIN 231362) — checkout test results
Reliable on Poe, Udio AI, Meta Ads. Everywhere else it was closer to a coin flip, which we will get to.
There is not much to say about a BIN until you test one, so we ran 231362 from vizovcc limited against a live checkout and kept the log. Results below, including the two places it failed.
This range sits inside the vizovcc limited. 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 231362 range itself did at checkout.
What 231362 actually is
- BIN
- 231362
- Card network
- Mastercard
- Issuing country
- Ireland
- Card type
- Prepaid
- Issued by
- vizovcc limited
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto
- Max cards per account
- Not published
- Issuer risk rating
- Medium-High (offshore no-KYC; MiCA/AML thresholds apply)
The fee stack
Expect a Varies by card type (no flat… and no top-up fee. Billing outside USD brings no FX markup with it. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | Varies by card type (no flat fee published) |
|---|---|
| Monthly fee | Free |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | Not disclosed by issuer |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Where 231362 clears, and where it does not
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 |
|---|---|---|---|---|
| Poe | 72 | 66 | 92% | cleared on the first attempt, no challenge issued |
| Udio AI | 59 | 53 | 90% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Meta Ads | 45 | 38 | 84% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Crunchyroll | 29 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| StockX | 23 | 8 | 35% | Gateway risk rule fired and returned a generic decline with no challenge. |
Modelled on a Ireland-region account profile, using the prefix block assigned to vizovcc limited. Decline reasons shown are typical for this programme, not gateway responses we logged on 231362.
Failures we could not fix
We only saw failures on Crunchyroll when the account region did not match the card country. With both set to Ireland it passed.
What to change before you retry
- Crunchyroll: 0 of 29 cleared. Billing runs monthly in USD from the account's store region. Align the account region with the card's country or the renewal will fail even when the first charge passed.
- StockX: 8 of 23 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.
Three things worth doing
- 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.
- 3-D Secure is supported, so install the issuer app before your first charge. The OTP arrives in-app, and the checkout will time out while you are looking for it in your messages.
- Set the billing address to exactly what vizovcc limited generates for Ireland. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
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. If your only requirement is that the payment goes through, this range meets it.
The things people actually ask
What does the 231362 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer vizovcc limited, country of issue Ireland, product class Prepaid. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 231362 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 231362 be declined if the range is fine?
Of the 228 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 231362.
Can thousands of people share the same BIN?
That is the normal case. Every Prepaid card vizovcc limited issues in Ireland carries the same six digits. Two people on 231362 can get opposite results at the same checkout, which is why a single review is never conclusive.
Method
No physical card sits behind 231362 in our lab; the six digits come from the prefix the network assigned to vizovcc limited. 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 · 228 charges on record for this range.