BIN 375314 (Ireland, Amex) - What It Works On
We would rank Steam, Epic Games Store, Google Ads as the safest bets on this range, based on 234 passes out of 327 attempts.
We keep coming back to 375314 when a merchant blocks the well-known virtual ranges. It comes from PEX in Ireland and does not sit on the usual blocklists.
Reading the 375314 prefix
- BIN
- 375314
- Card network
- Amex
- Issuing country
- Ireland
- Card type
- Prepaid
- Issued by
- PEX
- Card form
- Virtual only
- KYC tier
- Not published
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- 100
- Issuer risk rating
- Medium
Running costs
Nothing exotic in the pricing. no issuance fee, no top-up fee, and on non-USD billing, no FX markup. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | $0 (up to 100 cards free) |
|---|---|
| Monthly fee | 25 |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum 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 |
|---|---|---|---|---|
| Steam | 104 | 93 | 89% | no friction, and no AVS prompt |
| Epic Games Store | 85 | 74 | 87% | cleared on the first attempt, no challenge issued |
| Google Ads | 65 | 56 | 86% | no friction, and no AVS prompt |
| iHerb | 42 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Sephora US | 31 | 11 | 35% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a Ireland-region account between 25 Jun to 27 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
The weak spot is iHerb, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- iHerb: 0 of 42 cleared. iHerb checks the card's country on the payment step rather than at checkout, so the decline looks sudden. Fix the address first, then the range.
- Sephora US: 11 of 31 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
Do these first
- Bank transfer is the cheap funding route here, but it is not instant. Top up a day before a renewal rather than the same morning.
- Your tier allows 100 cards. Dedicating one per merchant is free, and it means a decline traces back to a single number instead of forcing you to freeze the whole account.
- Set the billing address to exactly what PEX generates for Ireland. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Our call
It is the kind of card you forget about until a checkout fails, and then it is the one that works. For the price it is hard to argue with, provided you can live with the no top-up fee funding cost.
The things people actually ask
What does the 375314 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer PEX, 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 375314 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only PEX can map those. A BIN alone will never get anyone into your money.
Why would 375314 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?
Yes, and it is worth internalising. When someone reports that a range is dead, what they usually mean is that their account got flagged, not the range.
How this test was run
We bought a PEX card, funded it, and pushed 327 charges through live merchant checkout pages between 25 Jun to 27 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 234 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 · 327 charges on record for this range.