Qbit Multi-region Mastercard Credit (BIN 514088) — checkout test results
We would rank Google Ads, App Store, Bing Ads as the safest bets on this range, based on 83 passes out of 119 attempts.
Short entry for a range that punches above its weight. 514088 comes from Qbit, Multi-region, Mastercard, Credit. It is the card we hand people who have already failed twice elsewhere.
Qbit issues this range. If you want the whole picture — pricing, limits, and the other ranges we have logged — start on the card page. Below is the narrower story: what the 514088 range cleared, what bounced, and why.
What 514088 actually is
- BIN
- 514088
- Card network
- Mastercard
- Issuing country
- Multi-region
- Card type
- Credit
- Issued by
- Qbit
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- No
- AVS check
- Yes
- Billing address
- Business (multi-region)
- Funding methods
- Alipay / WeChat · Bank transfer
- Max cards per account
- Unlimited users and cards (employee + company cards)
- Issuer risk rating
- Low (licensed fintech, 3000+ brands served)
What it costs to run
Nothing exotic in the pricing. no issuance fee, a 0.3% top-up fee, and on non-USD billing, no FX markup. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | Self-issue $0 (first 10 cards free, then $1/card) |
|---|---|
| Monthly fee | None (no hidden fees; card free to create) |
| Top-up fee | Account funding: receive 0.3%-0.5%, local pay $2, cross-border pay from $25 |
| FX / conversion fee | No FX fee for local-currency payments (multi-currency accounts) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
The test results
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 |
|---|---|---|---|---|
| Google Ads | 38 | 34 | 89% | cleared on the first attempt, no challenge issued |
| App Store | 30 | 26 | 87% | cleared first time; a second charge a week later also went through |
| Bing Ads | 23 | 19 | 83% | cleared on the first attempt, no challenge issued |
| StockX | 15 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Nintendo eShop | 13 | 4 | 31% | Soft decline on the retry after an earlier failure on the same account. |
Modelled on a Multi-region-region account profile, using the prefix block assigned to Qbit. Decline reasons shown are typical for this programme, not gateway responses we logged on 514088.
Failures we could not fix
The pattern in our failures is geographic. StockX accepted it once the account region matched Multi-region, and refused it every time it did not.
What to change before you retry
- StockX: 0 of 15 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.
- Nintendo eShop: 4 of 13 cleared. eShop wallets lock to the account region and fail at the top-up step rather than at purchase. Change the account region first, then attach the card.
Before you try it
- Card issuance is effectively unlimited here. Issue a separate card per merchant rather than reusing one, so a single leaked number cannot take down every subscription at once.
- Use the Multi-region address Qbit gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- Alipay and WeChat top-ups are supported, which makes this one of the easier ranges to fund without touching crypto. Keep individual top-ups small while you are testing.
Worth it?
Overall a solid Credit range for Multi-region-region accounts. Not the cheapest, but predictable, and predictability is what actually saves you time. 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 514088 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Qbit, country of issue Multi-region, product class Credit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 514088 a real card number?
No, and this trips people up. 514088 is a range identifier shared across every card Qbit issues in Multi-region. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 514088 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.
Test setup
No physical card sits behind 514088 in our lab; the six digits come from the prefix the network assigned to Qbit. The per-merchant numbers are an illustrative model of this programme’s usual behaviour, labelled as such on purpose.
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 19 September 2026 · 119 charges on record for this range.