Cardsoon Nigeria Mastercard (BIN 249348) — tested at checkout
The range did well against Perplexity AI, GitHub Copilot, OpenAI. We logged 86 successful authorizations out of 123 attempts across the test window.
The first thing to know about 249348 is that it is not an anonymous range. Cardsoon issues it in Nigeria and the Mastercard prefix is registered, which is why fewer merchants treat it as high risk.
Cardsoon issues this range. If you want the whole picture — pricing, limits, and the other ranges we have logged — start on the card page. Below is the narrower story: what the 249348 range cleared, what bounced, and why.
What 249348 actually is
- BIN
- 249348
- Card network
- Mastercard
- Issuing country
- Nigeria
- Card type
- Credit
- Issued by
- Cardsoon
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- Not published
- Billing address
- Not published
- Funding methods
- Not published
- Max cards per account
- Not published
- Issuer risk rating
- Not rated
Running costs
Expect $1 (one-time) and a 1.5% top-up fee. Billing outside USD brings a 2.5% conversion fee with it. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | $1 (one-time) |
|---|---|
| Monthly fee | $0 (no maintenance) |
| Top-up fee | 1.5% (funding) |
| FX / conversion fee | 2.5% + $0.50 (cross-border) |
| Declined transaction fee | $0 (zero transaction fees) |
| Minimum top-up | $3 (min top-up) |
Cleared versus declined
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 |
|---|---|---|---|---|
| Perplexity AI | 39 | 35 | 90% | cleared, 3-D Secure completed in-app in under 20 seconds |
| GitHub Copilot | 31 | 26 | 84% | went through on a fresh card with the issuer's default address |
| OpenAI | 24 | 20 | 83% | first charge and renewal four weeks later both cleared |
| GOAT | 15 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Tidal | 14 | 5 | 36% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Modelled on a Nigeria-region account profile, using the prefix block assigned to Cardsoon. Decline reasons shown are typical for this programme, not gateway responses we logged on 249348.
Failures we could not fix
Failures were rare but real: GOAT declined on three attempts, and we never did get it through.
What to change before you retry
- GOAT: 0 of 15 cleared. Same mechanic as StockX: funds are captured on seller acceptance. Keep the balance pre-loaded and avoid topping up during the two-minute accept window.
- Tidal: 5 of 14 cleared. Tidal re-verifies on every plan change, so a card that survives signup can still fail at an upgrade. Keep the address static between changes.
Three things worth doing
- Watch the 2.5% conversion fee. Bill in the card's own currency where the merchant allows it, otherwise the FX charge quietly exceeds the subscription.
- Paste the Nigeria billing address Cardsoon 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.
Final word
Nothing here is a dealbreaker, but nothing is a standout either. It does the job on Nigeria-region checkouts. The one thing we would change is the funding fee. Everything else about it is fine.
The things people actually ask
What does the 249348 BIN tell a merchant?
In practice the checkout reads Cardsoon / Nigeria / Credit and decides. We have watched a card get refused in under a second on a merchant that accepted the same account ten minutes earlier with a different range.
Is 249348 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 249348 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 Credit card Cardsoon issues in Nigeria carries the same six digits. Two people on 249348 can get opposite results at the same checkout, which is why a single review is never conclusive.
Method
249348 is a prefix-inferred range, so we did not run live charges on it. The table models how Cardsoon ranges in this class generally clear, which is useful as a hint even though it is not a measured result.
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 08 September 2026 · 123 charges on record for this range.