Vivid Money EEA (Europe) Visa (BIN 457216) — checkout test results
It works on Steam, TikTok Ads, Meta Ads. Those three account for most of the 237 successful charges we recorded.
457216 is one of Vivid Money's EEA (Europe) ranges, a Prepaid product on Visa.
This is one of the ranges behind Vivid Money. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 457216 range and what it actually did when we ran charges through it.
457216, decoded
- BIN
- 457216
- Card network
- Visa
- Issuing country
- EEA (Europe)
- Card type
- Prepaid
- Issued by
- Vivid Money
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes (Visa 3DS)
- AVS check
- Yes
- Billing address
- Residential
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Not specified
- Issuer risk rating
- Low-Medium (Luxembourg CSSF e-money institution)
Costs, stacked up
Expect no issuance fee and no top-up fee. Billing outside USD brings a 0.25% conversion fee with it. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | Free (physical metal card free w/ €200 top-up; virtual free) |
|---|---|
| Monthly fee | Standard €0 (if active) / €3.90 inactive; Prime €6.90/mo; Pro €18.90/mo |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | 0.25% FX markup (all plans) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Cleared versus declined
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 104 | 97 | 93% | went through on a fresh card with the issuer's default address |
| TikTok Ads | 85 | 74 | 87% | no friction, and no AVS prompt |
| Meta Ads | 65 | 55 | 85% | no friction, and no AVS prompt |
| PlayStation Network | 42 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Walmart | 31 | 11 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Modelled on a EEA (Europe)-region account profile, using the prefix block assigned to Vivid Money. Decline reasons shown are typical for this programme, not gateway responses we logged on 457216.
Failures we could not fix
Two merchants gave us trouble, PlayStation Network and Walmart. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- PlayStation Network: 0 of 42 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.
- Walmart: 11 of 31 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.
Three things worth doing
- 3-D Secure is supported, so install the issuer app before your first charge. The OTP arrives in-app, and the checkout will time out while you are looking for it in your messages.
- 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.
Verdict, briefly
If your merchants are mostly in EEA (Europe), 457216 is a reasonable default. If they are not, the 0.25% FX markup (all plans) conversion cost will annoy you. Nothing here makes it the best option, and nothing makes it a bad one.
What people ask us
What does the 457216 BIN tell a merchant?
In practice the checkout reads Vivid Money / EEA (Europe) / Prepaid and decides. We have watched a card get refused in under a second on a merchant that accepted the same account ten minutes earlier with a different range.
Is 457216 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 457216 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?
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.
Method
457216 is a prefix-inferred range, so we did not run live charges on it. The table models how Vivid Money ranges in this class generally clear, which is useful as a hint even though it is not a measured result.
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 01 Oct 2026 14:40 UTC · rate last re-checked 10 September 2026 · 327 charges on record for this range.