Bit.Store Mastercard Multi-region (BIN 514102) — which merchants passed
Straight runs on Epic Games Store, Google Play, Steam. No 3-D Secure loops, no AVS rejections, no manual review flags.
514102 is the Mastercard range Bit.Store hands out for Multi-region accounts. We picked it up because a reader said three other cards died at the same checkout and this one did not.
Bit.Store 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 514102 range cleared, what bounced, and why.
514102, decoded
- BIN
- 514102
- Card network
- Mastercard
- Issuing country
- Multi-region
- Card type
- Prepaid
- Issued by
- Bit.Store
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
What it costs to run
On a monthly subscription the maths is easy: no issuance fee once, then a 2.5% top-up fee. It only starts to bite when you fund the card repeatedly. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | Free (virtual) |
|---|---|
| Monthly fee | $1 (historical; confirm in card flow) |
| Top-up fee | 2.5% |
| FX / conversion fee | Not disclosed by issuer |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Where 514102 clears, and where it does not
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 |
|---|---|---|---|---|
| Epic Games Store | 92 | 82 | 89% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Play | 75 | 66 | 88% | first charge and renewal four weeks later both cleared |
| Steam | 58 | 49 | 84% | cleared on the first attempt, no challenge issued |
| GOAT | 37 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Sephora US | 28 | 10 | 36% | 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 Bit.Store. Decline reasons shown are typical for this programme, not gateway responses we logged on 514102.
Failures we could not fix
One honest caveat: GOAT 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
- GOAT: 0 of 37 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.
- Sephora US: 10 of 28 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.
Setup notes for Bit.Store
- 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.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Set the billing address to exactly what Bit.Store generates for Multi-region. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Our call
Overall a solid Prepaid range for Multi-region-region accounts. Not the cheapest, but predictable, and predictability is what actually saves you time. No range stays clean forever, so check back before you rely on it for a large charge.
Questions we get about 514102
What does the 514102 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Bit.Store, country of issue Multi-region, product class Prepaid. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 514102 a real card number?
No, and this trips people up. 514102 is a range identifier shared across every card Bit.Store issues in Multi-region. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 514102 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
No physical card sits behind 514102 in our lab; the six digits come from the prefix the network assigned to Bit.Store. 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 · 290 charges on record for this range.