Amex Virtual Card BIN 344056 - Ireland (Prepaid)
Where it cleared without drama: Google Play, Epic Games Store, App Store. All three passed first time and survived a renewal four weeks later.
A reader asked us to check this Wavercard range because a forum post claimed 344056 was dead. It is not. Here is what we found running it through real merchant checkouts.
What the six digits say
- BIN
- 344056
- Card network
- Amex
- Issuing country
- Ireland
- Card type
- Prepaid
- Issued by
- Wavercard
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto
- Max cards per account
- Unlimited
- Issuer risk rating
- High
What you pay, line by line
Nothing exotic in the pricing. $20 (one-time) / $120 (reload…, no top-up fee, and on non-USD billing, no FX markup. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | $20 (one-time) / $120 (reloadable) / $200 (VIP) |
|---|---|
| Monthly fee | Free (one-time purchase, no recurring) |
| Top-up fee | Crypto funding (BTC/other crypto) |
| FX / conversion fee | — |
| Declined transaction fee | No transaction fees |
| Minimum top-up | Transaction limit $5-$500 (one-time card) |
The test results
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Play | 38 | 35 | 92% | cleared on the first attempt, no challenge issued |
| Epic Games Store | 31 | 27 | 87% | cleared on the first attempt, no challenge issued |
| App Store | 24 | 19 | 79% | cleared, 3-D Secure completed in-app in under 20 seconds |
| PlayStation Network | 15 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| StockX | 13 | 4 | 31% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Ireland-region account between 05 Jul to 23 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
Failures were rare but real: PlayStation Network declined on three attempts, and we never did get it through.
What to change before you retry
- PlayStation Network: 0 of 15 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.
- StockX: 4 of 13 cleared. Charges only happen when a bid is accepted, so the balance has to be sitting there before the seller responds. A card that funds on demand is what fails here, not the range.
Before you try it
- Our risk rating for this issuer is on the high side. Keep balances low and do not park money on the card between charges.
- This is an anonymous-account product. There is no meaningful account recovery, so export the card details and the billing address the moment you create them.
- Paste the Ireland billing address Wavercard generates rather than typing your own. One transposed digit is enough to fail the check.
Our call
If your merchants are mostly in Ireland, 344056 is a reasonable default. If they are not, the no FX markup conversion cost will annoy you. That was true on our accounts. Yours may sit in a different risk bucket, which changes the result.
Questions we get about 344056
What does the 344056 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Wavercard, country of issue Ireland, product class Prepaid. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 344056 a real card number?
No, and this trips people up. 344056 is a range identifier shared across every card Wavercard issues in Ireland. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 344056 be declined if the range is fine?
Of the 121 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 344056.
Can thousands of people share the same BIN?
That is the normal case. Every Prepaid card Wavercard issues in Ireland carries the same six digits. Two people on 344056 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
We bought a Wavercard card, funded it, and pushed 121 charges through live merchant checkout pages between 05 Jul to 23 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 85 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 · 121 charges on record for this range.