BIN 238158 (United States, Mastercard) - What It Works On
Our log shows clean passes on Steam, Epic Games Store, App Store, first charge and renewal both going through.
We keep coming back to 238158 when a merchant blocks the well-known virtual ranges. It comes from CINQ by Coinstar in United States and does not sit on the usual blocklists.
What 238158 actually is
- BIN
- 238158
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- CINQ by Coinstar
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Low
The money side
Up front you have no issuance fee. On each funding event, no top-up fee. Outside USD, no FX markup. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | Free |
|---|---|
| Monthly fee | — |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Results 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 |
|---|---|---|---|---|
| Steam | 33 | 30 | 91% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Epic Games Store | 27 | 23 | 85% | first charge and renewal four weeks later both cleared |
| App Store | 20 | 16 | 80% | no friction, and no AVS prompt |
| Sephora US | 13 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Walmart | 11 | 4 | 36% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a United States-region account between 09 Jul to 20 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
The weak spot is Sephora US, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Sephora US: 0 of 13 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
- Walmart: 4 of 11 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
Before you try it
- Bank transfer is the cheap funding route here, but it is not instant. Top up a day before a renewal rather than the same morning.
- Paste the United States billing address CINQ by Coinstar generates rather than typing your own. One transposed digit is enough to fail the check.
- 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.
Final word
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. If you find a merchant where it behaves differently, tell us and we will add it to the log.
Questions we get about 238158
What does the 238158 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer CINQ by Coinstar, country of issue United States, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 238158 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 238158 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?
Shared by design. Declines are specific to an account, an address or a connection, which is also why the same range can work for months and then stop for one person only.
Test setup
We bought a CINQ by Coinstar card, funded it, and pushed 104 charges through live merchant checkout pages between 09 Jul to 20 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 73 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 27 August 2026 · 104 charges on record for this range.