340418 Virtual Card Review - Lithuania Amex Prepaid
It works on Poe, Meta Ads, Bing Ads. Those three account for most of the 199 successful charges we recorded.
We keep coming back to 340418 when a merchant blocks the well-known virtual ranges. It comes from Qwikvcc in Lithuania and does not sit on the usual blocklists.
The spec sheet
- BIN
- 340418
- Card network
- Amex
- Issuing country
- Lithuania
- Card type
- Prepaid
- Issued by
- Qwikvcc
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- High
The fee stack
Budget for an undisclosed issuance fee, no top-up fee, and a no decline fee penalty on declined authorizations. That last one only matters if you are pushing a lot of small charges. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | — |
|---|---|
| Monthly fee | — |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Poe | 87 | 82 | 94% | went through on a fresh card with the issuer's default address |
| Meta Ads | 70 | 61 | 87% | cleared on the first attempt, no challenge issued |
| Bing Ads | 54 | 46 | 85% | cleared first time; a second charge a week later also went through |
| Target | 35 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Best Buy | 27 | 10 | 37% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Lithuania-region account between 26 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
One consistent miss: Target. That acquirer appears to blocklist the range. Best Buy also declined, though only once.
What to change before you retry
- Target: 0 of 35 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
- Best Buy: 10 of 27 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
Getting it to work first time
- 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.
- Our risk rating for this issuer is on the high side. Keep balances low and do not park money on the card between charges.
- Set the billing address to exactly what Qwikvcc generates for Lithuania. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
What the numbers add up to
Worth having as a backup rather than a primary. When a merchant blocks the popular ranges, 340418 is usually still open. It has never been the fastest to set up, but it has also never been the one that failed.
BIN questions, answered
What does the 340418 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Qwikvcc, country of issue Lithuania, product class Prepaid. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 340418 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 340418 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?
That is the normal case. Every Prepaid card Qwikvcc issues in Lithuania carries the same six digits. Two people on 340418 can get opposite results at the same checkout, which is why a single review is never conclusive.
What we did
We bought a Qwikvcc card, funded it, and pushed 273 charges through live merchant checkout pages between 26 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. 199 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 02 September 2026 · 273 charges on record for this range.