BIN 231661: EEA (Europe) Mastercard Virtual Card (Debit)
Where it cleared without drama: Hugging Face, Epic Games Store, Spotify Premium. All three passed first time and survived a renewal four weeks later.
231661 appears on Mastercard cards issued by Bleap to EEA (Europe) customers. That is the whole identification. Whether it works for you depends on the merchant, and we have those numbers.
What 231661 actually is
- BIN
- 231661
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- Bleap
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EEA
- Funding methods
- Crypto · Alipay / WeChat
- Max cards per account
- Multiple
- Issuer risk rating
- Low-Medium
The money side
On a monthly subscription the maths is easy: no issuance fee once, then no top-up fee. It only starts to bite when you fund the card repeatedly. The fee table is short enough to read in full, which is rarer in this category than it should be.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | 0% |
| FX / conversion fee | 0% |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
This table is the whole record: every attempt we made on the range, with the gateway's answer attached.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Hugging Face | 105 | 98 | 93% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Epic Games Store | 85 | 76 | 89% | no friction, and no AVS prompt |
| Spotify Premium | 65 | 55 | 85% | first charge and renewal four weeks later both cleared |
| Target | 42 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| iHerb | 32 | 12 | 38% | Soft decline on the retry after an earlier failure on the same account. |
Run from a EEA (Europe)-region account between 01 Aug to 05 Sep 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 Target, use something else. It declined consistently. iHerb was fine on retry.
What to change before you retry
- Target: 0 of 42 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
- iHerb: 12 of 32 cleared. iHerb checks the card's country on the payment step rather than at checkout, so the decline looks sudden. Fix the address first, then the range.
Setup notes for Bleap
- Alipay and WeChat top-ups are supported, which makes this one of the easier ranges to fund without touching crypto. Keep individual top-ups small while you are testing.
- 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.
- Set the billing address to exactly what Bleap generates for EEA (Europe). Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Worth it?
We would not build a whole spend strategy on one Debit range, but as one card among two or three it earns its place. Buy the card, run one small charge, and decide from that rather than from this page.
Questions we get about 231661
What does the 231661 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 231661 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 231661 be declined if the range is fine?
Of the 329 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 231661.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Bleap issues in EEA (Europe) carries the same six digits. Two people on 231661 can get opposite results at the same checkout, which is why a single review is never conclusive.
Method
We bought a Bleap card, funded it, and pushed 329 charges through live merchant checkout pages between 01 Aug to 05 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 241 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 10 September 2026 · 329 charges on record for this range.