255721 BIN Check - EEA (Europe) Mastercard Debit Card
Our log shows clean passes on Google Play, Epic Games Store, Steam, first charge and renewal both going through.
This range belongs to Vivid Money. Issued out of EEA (Europe) on Mastercard, classed as Debit by most acquirers.
What 255721 actually is
- BIN
- 255721
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- Vivid Money
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- No
- AVS check
- No
- Billing address
- EU General
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low-Medium
Costs, stacked up
This is a Debit product, so there is no interest and no annual fee to model. Just no issuance fee, no top-up fee and no FX markup. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | Free (with Vivid account) |
|---|---|
| Monthly fee | Free (basic plan); paid Prime/Metal tiers |
| Top-up fee | — |
| FX / conversion fee | Varies by plan |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Play | 33 | 30 | 91% | went through on a fresh card with the issuer's default address |
| Epic Games Store | 27 | 23 | 85% | cleared first time; a second charge a week later also went through |
| Steam | 21 | 17 | 81% | first charge and renewal four weeks later both cleared |
| Walmart | 13 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Crunchyroll | 11 | 4 | 36% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a EEA (Europe)-region account between 07 Jun to 16 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
Do not expect much luck on Walmart. It declined on all four attempts. Crunchyroll was inconsistent, two passes out of five.
What to change before you retry
- Walmart: 0 of 13 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.
- 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.
Practical notes
- Set the billing address to exactly what Vivid Money generates for EEA (Europe). Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
- 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.
What the numbers add up to
This is the range I would give someone who has never used a virtual card. Low balance requirement and the failure modes are easy to diagnose. If your only requirement is that the payment goes through, this range meets it.
FAQ
What does the 255721 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 255721 a real card number?
No, and this trips people up. 255721 is a range identifier shared across every card Vivid Money issues in EEA (Europe). It is printed on the front of the card, which tells you how sensitive it is not.
Why would 255721 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 Debit card Vivid Money issues in EEA (Europe) carries the same six digits. Two people on 255721 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
We bought a Vivid Money card, funded it, and pushed 105 charges through live merchant checkout pages between 07 Jun to 16 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 74 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 22 August 2026 · 105 charges on record for this range.