558157 VCC - EEA (Europe) Mastercard Virtual Card Review
Our log shows clean passes on Epic Games Store, App Store, Steam, first charge and renewal both going through.
If you have a Mastercard card from Paycek that starts with 558157, this page is about your card. Country of issue is EEA (Europe), product class is Debit.
What 558157 actually is
- BIN
- 558157
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- Paycek
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EEA
- Funding methods
- Crypto
- Max cards per account
- Multiple
- Issuer risk rating
- High
What it costs to run
Pricing, laid out: no issuance fee to open a card, a 1.5% top-up fee every time you fund it, and a 1.5% conversion fee on conversion. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | 1.5% |
| FX / conversion fee | 1.5% |
| Declined transaction fee | — |
| Minimum top-up | — |
What passed and what did not
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Epic Games Store | 89 | 80 | 90% | no friction, and no AVS prompt |
| App Store | 72 | 63 | 88% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Steam | 56 | 47 | 84% | went through on a fresh card with the issuer's default address |
| Hulu | 36 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| iHerb | 27 | 10 | 37% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a EEA (Europe)-region account between 08 Jul to 02 Sep 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
One honest caveat: Hulu 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
- Hulu: 0 of 36 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
- iHerb: 10 of 27 cleared. iHerb checks the card's country on the payment step rather than at checkout, so the decline looks sudden. Fix the address first, then the range.
Before you try it
- Our risk rating for this issuer is on the high side. Keep balances low and do not park money on the card between charges.
- 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.
- Paste the EEA (Europe) billing address Paycek generates rather than typing your own. One transposed digit is enough to fail the check.
Verdict, briefly
If your merchants are mostly in EEA (Europe), 558157 is a reasonable default. If they are not, the 1.5% conversion cost will annoy you. Worth keeping if your merchants sit in EEA (Europe). Worth ignoring if they do not.
The things people actually ask
What does the 558157 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 558157 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 558157 be declined if the range is fine?
Of the 280 attempts behind this page, the losses broke down as address mismatch first, incomplete 3-D Secure second, and merchant-side range blocks a distant third. Only the last one is about 558157.
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.
What we did
We bought a Paycek card, funded it, and pushed 280 charges through live merchant checkout pages between 08 Jul to 02 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 200 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 08 September 2026 · 280 charges on record for this range.