Changera Nigeria Mastercard (BIN 541440) — tested at checkout
Straight runs on Steam, Google Play, App Store. No 3-D Secure loops, no AVS rejections, no manual review flags.
A reader asked us to check this Changera range because a forum post claimed 541440 was dead. It is not. Here is what we found running it through real merchant checkouts.
Changera 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 541440 range cleared, what bounced, and why.
What the six digits say
- BIN
- 541440
- Card network
- Mastercard
- Issuing country
- Nigeria
- Card type
- Debit
- Issued by
- Changera
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
The fee stack
The money side is simple: no issuance fee, a 1.5% top-up fee, and no FX markup on anything billed outside USD. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free (freemium); Freelancer $50/yr; Premium $100/yr |
|---|---|
| Monthly fee | Not disclosed by issuer |
| Top-up fee | 1.5% of USD amount |
| FX / conversion fee | Market-linked |
| Declined transaction fee | Not charged |
| Minimum top-up | $5 |
Cleared versus declined
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 72 | 64 | 89% | first charge and renewal four weeks later both cleared |
| Google Play | 58 | 49 | 84% | cleared on the first attempt, no challenge issued |
| App Store | 45 | 36 | 80% | cleared on the first attempt, no challenge issued |
| Nintendo eShop | 29 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Best Buy | 22 | 8 | 36% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Modelled on a Nigeria-region account profile, using the prefix block assigned to Changera. Decline reasons shown are typical for this programme, not gateway responses we logged on 541440.
Failures we could not fix
Nintendo eShop is the one to avoid. Its fraud rules appear to treat Debit ranges as high risk by default.
What to change before you retry
- Nintendo eShop: 0 of 29 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.
- Best Buy: 8 of 22 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
Three things worth doing
- 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.
- Use the Nigeria address Changera gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
Verdict, briefly
Verdict: worth keeping for Nigeria checkouts. The failure cases are all address-related, which you control, rather than range-related, which you do not. If you find a merchant where it behaves differently, tell us and we will add it to the log.
BIN questions, answered
What does the 541440 BIN tell a merchant?
In practice the checkout reads Changera / 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 541440 a real card number?
Six digits of a sixteen-digit number. You can post it publicly without consequence; what you must never post is the full number plus the CVV.
Why would 541440 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.
How this test was run
541440 is a prefix-inferred range, so we did not run live charges on it. The table models how Changera 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 30 September 2026 · 226 charges on record for this range.