258194 VCC - United States Mastercard Virtual Card Review
Our log shows clean passes on App Store, Google Play, Epic Games Store, first charge and renewal both going through.
If you have a Mastercard card from ecoPayz that starts with 258194, this page is about your card. Country of issue is United States, product class is Prepaid.
258194 in plain terms
- BIN
- 258194
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Prepaid
- Issued by
- ecoPayz
- Card form
- Virtual only
- KYC tier
- ID only
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
The fee stack
On a monthly subscription the maths is easy: 1.80 EUR (virtual eCard) once, then no top-up fee. It only starts to bite when you fund the card repeatedly. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | 1.80 EUR (virtual eCard) |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | 2.99% (card) / 5% (account) |
| Declined transaction fee | — |
| Minimum top-up | — |
What passed and what did not
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| App Store | 106 | 100 | 94% | went through on a fresh card with the issuer's default address |
| Google Play | 86 | 76 | 88% | no friction, and no AVS prompt |
| Epic Games Store | 66 | 56 | 85% | first charge and renewal four weeks later both cleared |
| Nintendo eShop | 43 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| PlayStation Network | 31 | 11 | 35% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a United States-region account between 24 Jul to 21 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 Nintendo eShop, use something else. It declined consistently. PlayStation Network was fine on retry.
What to change before you retry
- Nintendo eShop: 0 of 43 cleared. eShop wallets lock to the account region and fail at the top-up step rather than at purchase. Change the account region first, then attach the card.
- PlayStation Network: 11 of 31 cleared. Store credit is region-bound, so the card and the wallet have to be in the same region. Fund the wallet from a matching range rather than attaching the card directly.
Three things worth doing
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Set the billing address to exactly what ecoPayz generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS 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.
Verdict, briefly
We would not build a whole spend strategy on one Prepaid range, but as one card among two or three it earns its place. For the price it is hard to argue with, provided you can live with the no top-up fee funding cost.
What people ask us
What does the 258194 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 258194 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 258194 be declined if the range is fine?
Of the 332 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 258194.
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 ecoPayz card, funded it, and pushed 332 charges through live merchant checkout pages between 24 Jul to 21 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 243 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 · 332 charges on record for this range.