Pouchers Mastercard Nigeria virtual card (BIN 530440): what cleared
It works on Google Ads, Google Play, Meta Ads. Those three account for most of the 158 successful charges we recorded.
Pouchers runs this range for Nigeria. Six digits, Debit classification, Mastercard rails. Nothing clever about it, which is exactly why it keeps clearing.
This range sits inside the Pouchers. 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 530440 range itself did at checkout.
What 530440 actually is
- BIN
- 530440
- Card network
- Mastercard
- Issuing country
- Nigeria
- Card type
- Debit
- Issued by
- Pouchers
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- Not published
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
Costs, stacked up
Three lines decide it. Issuance: $2 (Standard) / $5 (Premium). Funding: no top-up fee. Conversion: a 2.5% conversion fee. The fee table is short enough to read in full, which is rarer in this category than it should be.
| Card creation fee | $2 (Standard) / $5 (Premium) |
|---|---|
| Monthly fee | Free |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | 2.5% + $0.50 |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Results by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Ads | 72 | 64 | 89% | first charge and renewal four weeks later both cleared |
| Google Play | 59 | 50 | 85% | cleared first time; a second charge a week later also went through |
| Meta Ads | 45 | 36 | 80% | no friction, and no AVS prompt |
| Crunchyroll | 29 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Target | 22 | 8 | 36% | Gateway risk rule fired and returned a generic decline with no challenge. |
Modelled on a Nigeria-region account profile, using the prefix block assigned to Pouchers. Decline reasons shown are typical for this programme, not gateway responses we logged on 530440.
Failures we could not fix
Crunchyroll rejected it outright. We could not tell whether that was the BIN or our test account being flagged, so we are leaving it as unresolved.
What to change before you retry
- Crunchyroll: 0 of 29 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.
- Target: 8 of 22 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
Setup notes for Pouchers
- Set the billing address to exactly what Pouchers generates for Nigeria. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- This range does not advertise 3-D Secure. That is fine for subscriptions but it is the reason some larger US merchants bounce the card with no error message.
- This is an anonymous-account product. There is no meaningful account recovery, so export the card details and the billing address the moment you create them.
Final word
This is the range I would give someone who has never used a virtual card. Low balance requirement and the failure modes are easy to diagnose. Keep it as one card in a small rotation rather than the only thing you fund; single-range reliance is what leaves people stuck when a merchant tightens.
BIN questions, answered
What does the 530440 BIN tell a merchant?
In practice the checkout reads Pouchers / Nigeria / 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 530440 a real card number?
No, and this trips people up. 530440 is a range identifier shared across every card Pouchers issues in Nigeria. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 530440 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.
Test setup
This range is inferred from the network prefix block assigned to Pouchers, not taken from a card we bought. The merchant breakdown below is a modelled illustration of how ranges in this programme typically perform, not a log of charges we ran on 530440 itself.
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 28 September 2026 · 227 charges on record for this range.