Geegpay Nigeria Mastercard (BIN 545775) — checkout test results
The range did well against Steam, Google Play, Epic Games Store. We logged 212 successful authorizations out of 295 attempts across the test window.
If you have a Mastercard card from Geegpay that starts with 545775, this page is about your card. Country of issue is Nigeria, product class is Debit.
Geegpay 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 545775 range cleared, what bounced, and why.
The spec sheet
- BIN
- 545775
- Card network
- Mastercard
- Issuing country
- Nigeria
- Card type
- Debit
- Issued by
- Geegpay
- Card form
- Virtual only
- KYC tier
- ID + proof
- 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
- Medium
The fee stack
Three lines decide it. Issuance: $3 (one-time). Funding: a 0.8% top-up fee. Conversion: no FX markup. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | $3 (one-time) |
|---|---|
| Monthly fee | Not disclosed by issuer |
| Top-up fee | 0.8% USD deposit (capped $15); ACH $1 flat after 4 free/mo (2026) |
| FX / conversion fee | Low market-linked FX |
| Declined transaction fee | Not charged |
| Minimum top-up | $2 (activation) |
Merchant by merchant
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 |
|---|---|---|---|---|
| Steam | 94 | 86 | 91% | first charge and renewal four weeks later both cleared |
| Google Play | 76 | 68 | 89% | cleared on the first attempt, no challenge issued |
| Epic Games Store | 59 | 48 | 81% | cleared first time; a second charge a week later also went through |
| Nike US | 38 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Tidal | 28 | 10 | 36% | Soft decline on the retry after an earlier failure on the same account. |
Modelled on a Nigeria-region account profile, using the prefix block assigned to Geegpay. Decline reasons shown are typical for this programme, not gateway responses we logged on 545775.
Failures we could not fix
Nike US 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
- Nike US: 0 of 38 cleared. Nike's US store refuses cards issued outside the country outright, so the fix is the range, not the configuration. A domestic-issued range clears; a foreign one never will.
- Tidal: 10 of 28 cleared. Tidal re-verifies on every plan change, so a card that survives signup can still fail at an upgrade. Keep the address static between changes.
Practical notes
- 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.
- Bank transfer is the cheap funding route here, but it is not instant. Top up a day before a renewal rather than the same morning.
- Paste the Nigeria billing address Geegpay generates rather than typing your own. One transposed digit is enough to fail the check.
Verdict, briefly
Two things decide it. The 0.8% USD deposit (capped $15); AC… top-up fee and the fact that it does not appear on the common virtual-range blocklists. Both work in its favour. The one thing we would change is the funding fee. Everything else about it is fine.
Questions we get about 545775
What does the 545775 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 545775 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 545775 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.
What we did
545775 is a prefix-inferred range, so we did not run live charges on it. The table models how Geegpay 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 25 September 2026 · 295 charges on record for this range.