Gnosis Pay EEA (Europe) Visa BIN 471000 review — live charge results
It works on Steam, Epic Games Store, Google Play. Those three account for most of the 141 successful charges we recorded.
471000 is one of Gnosis Pay's EEA (Europe) ranges, a Debit product on Visa.
This range sits inside the Gnosis Pay. The card page covers what it costs to open and reload, what the sign-up asks for, and every other range we have logged under this issuer — this page goes one level deeper, into what the 471000 range itself did at checkout.
471000 in plain terms
- BIN
- 471000
- Card network
- Visa
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- Gnosis Pay
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EU General
- Funding methods
- Bank transfer
- Max cards per account
- 1 card
- Issuer risk rating
- Low-Medium
What it costs to run
Pricing, laid out: no issuance fee to open a card, no top-up fee every time you fund it, and no FX markup on conversion. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | Free (order + shipping free; EUR 30.23 historical) |
|---|---|
| Monthly fee | Free |
| Top-up fee | 0% (no Gnosis Pay markup; SEPA/bridge/DEX) |
| FX / conversion fee | 0% Gnosis Pay markup (Visa wholesale spread 0.3-0.9% applies) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Where 471000 clears, and where it does not
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 64 | 57 | 89% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Epic Games Store | 52 | 44 | 85% | cleared on the first attempt, no challenge issued |
| Google Play | 40 | 33 | 82% | no friction, and no AVS prompt |
| Crunchyroll | 26 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| GOAT | 20 | 7 | 35% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Modelled on a EEA (Europe)-region account profile, using the prefix block assigned to Gnosis Pay. Decline reasons shown are typical for this programme, not gateway responses we logged on 471000.
Failures we could not fix
One honest caveat: Crunchyroll returned a generic decline on all attempts, and we could not determine the cause. Treat it as untested rather than blocked.
What to change before you retry
- Crunchyroll: 0 of 26 cleared. Billing runs monthly in USD from the account's store region. Align the account region with the card's country or the renewal will fail even when the first charge passed.
- GOAT: 7 of 20 cleared. Same mechanic as StockX: funds are captured on seller acceptance. Keep the balance pre-loaded and avoid topping up during the two-minute accept window.
Three things worth doing
- 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.
- Your tier allows 1 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.
- Use the EEA (Europe) address Gnosis Pay gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Where we land
Two things decide it. The 0% (no Gnosis Pay markup; SEPA/br… top-up fee and the fact that it does not appear on the common virtual-range blocklists. Both work in its favour. Treat the numbers here as a snapshot of 4 weeks, not a permanent rating.
The things people actually ask
What does the 471000 BIN tell a merchant?
In practice the checkout reads Gnosis Pay / EEA (Europe) / Debit 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 471000 a real card number?
No, and this trips people up. 471000 is a range identifier shared across every card Gnosis Pay issues in EEA (Europe). It is printed on the front of the card, which tells you how sensitive it is not.
Why would 471000 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.
What we did
471000 is a prefix-inferred range, so we did not run live charges on it. The table models how Gnosis Pay 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 29 September 2026 · 202 charges on record for this range.