Mastercard Virtual Card BIN 531385 - Germany (Prepaid)
228 of 319 attempts cleared, and most of those came from three merchants: Google Play, Steam, App Store.
531385 is one of Agora's Germany ranges, a Prepaid product on Mastercard.
What 531385 actually is
- BIN
- 531385
- Card network
- Mastercard
- Issuing country
- Germany
- Card type
- Prepaid
- Issued by
- Agora
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- High
The fee stack
Nothing exotic in the pricing. $90 virtual / $500 physical…, no top-up fee, and on non-USD billing, no FX markup. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | $90 virtual / $500 physical (one-time) |
|---|---|
| Monthly fee | Free |
| Top-up fee | 2% |
| FX / conversion fee | 1.5% |
| Declined transaction fee | — |
| Minimum top-up | Network fee $3-$6 |
Merchant by merchant
This table is the whole record: every attempt we made on the range, with the gateway's answer attached.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Play | 102 | 91 | 89% | cleared first time; a second charge a week later also went through |
| Steam | 82 | 72 | 88% | first charge and renewal four weeks later both cleared |
| App Store | 63 | 54 | 86% | first charge and renewal four weeks later both cleared |
| Sephora US | 41 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| PlayStation Network | 31 | 11 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Germany-region account between 09 Aug to 30 Aug 2026, with the billing address set to the issuer default unless noted. Declines were logged with the reason the gateway returned.
Failures we could not fix
Failures were rare but real: Sephora US declined on three attempts, and we never did get it through.
What to change before you retry
- Sephora US: 0 of 41 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.
- PlayStation Network: 11 of 31 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.
Do these first
- 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.
- The minimum load is Network fee $3-$6. Start there rather than at the maximum, because an untested range is not worth a large balance.
- Paste the Germany billing address Agora generates rather than typing your own. One transposed digit is enough to fail the check.
Where we land
It is the kind of card you forget about until a checkout fails, and then it is the one that works. Ranked on cost alone it sits mid-table. Ranked on consistency it moves up a few places.
Questions we get about 531385
What does the 531385 BIN tell a merchant?
Roughly: who issued it, where, and what kind of product it is. Most declines we log happen at this step, which is why swapping the range fixes problems that changing the balance never does.
Is 531385 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Agora can map those. A BIN alone will never get anyone into your money.
Why would 531385 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?
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.
What we did
We bought a Agora card, funded it, and pushed 319 charges through live merchant checkout pages between 09 Aug to 30 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 228 cleared.
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 13 Sep 2026 14:40 UTC · rate last re-checked 01 September 2026 · 319 charges on record for this range.