239458 BIN Check - Germany Mastercard Prepaid Card
Where it cleared without drama: Bing Ads, Google Play, Google Ads. All three passed first time and survived a renewal four weeks later.
There is not much to say about a BIN until you test one, so we ran 239458 from e.pn against a live checkout and kept the log. Results below, including the two places it failed.
239458, decoded
- BIN
- 239458
- Card network
- Mastercard
- Issuing country
- Germany
- Card type
- Prepaid
- Issued by
- e.pn
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- High
What you pay, line by line
Compared with the rest of the directory this sits mid-table. no issuance fee to open, no top-up fee to fund, and no FX markup on conversion. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Bing Ads | 29 | 26 | 90% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Play | 23 | 20 | 87% | cleared on the first attempt, no challenge issued |
| Google Ads | 18 | 14 | 78% | went through on a fresh card with the issuer's default address |
| Hetzner | 11 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Crunchyroll | 11 | 4 | 36% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a Germany-region account between 12 Jun to 28 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 Hetzner, use something else. It declined consistently. Crunchyroll was fine on retry.
What to change before you retry
- Hetzner: 0 of 11 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
- Crunchyroll: 4 of 11 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.
Do these first
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- 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.
- Paste the Germany billing address e.pn generates rather than typing your own. One transposed digit is enough to fail the check.
Our call
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. The pattern across all 92 attempts was consistent, which is the most useful thing you can say about a card range.
The things people actually ask
What does the 239458 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer e.pn, country of issue Germany, product class Prepaid. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 239458 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 239458 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
Can thousands of people share the same BIN?
That is the normal case. Every Prepaid card e.pn issues in Germany carries the same six digits. Two people on 239458 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
We bought a e.pn card, funded it, and pushed 92 charges through live merchant checkout pages between 12 Jun to 28 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 64 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 30 August 2026 · 92 charges on record for this range.