A card dump is made up of two main parts: Track 1 and Track 2. These are logically divided on the magnetic stripe of a card and contain all the information needed for a financial transaction.
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Track 1 Data format:
%B[PAN]^[Name]^[Expiration Date][Service Code][Discretionary Data]?
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Example:
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%B5123456789012345^SMITH/JOHN^2403101000000001000000003000000?
Track 1 starts with a start sentinel (%) followed by a format code (B) to identify it as a bank/financial card. The Primary Account Number (PAN) is next, usually 15-19 digits. Then a field separator (^) and the cardholder’s name in Last/First format, limited to 26 characters. Another field separator and the expiration date in YYMM format, then the 3 digit service code and discretionary data used by card issuers. The track ends with an end sentinel (?).
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Track 2 Data format:
;[PAN]=[Expiration Date][Service Code][Discretionary Data]?
Example:
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;5123456789012345=24031010000000000000?
Track 2 starts with a semicolon (
as its start sentinel. It has the same PAN as Track 1, followed by a separator (=). The expiration date, service code and discretionary data follow, and the track ends with an end sentinel (?). This track is used by ATMs and physical payment processors due to its compact format.Track 1 has higher bit density and is the only track that can contain alphabetic text, including the cardholder’s name. Point-of-sale readers usually read either Track 1 or Track 2, sometimes both for redundancy.
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we know how important it is to give you full dump data. Our top-notch dumps have both Track 1 and Track 2 info when we can get it. This means you get all the details you need to do your work well.
Service Codes Explained
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Service codes are 3 digit numbers that tell where and how a card can be used. You can find them in the dump data right after the expiration date. For example in the dump 4256746500930321=1402101700102054 the service code is 101.
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Here’s the breakdown:
First digit (Usage):
1xx: Worldwide use, typically no smart chip
2xx: Worldwide use, has a smart chip (must be used if reader detects it)
5xx: National use with possible region locks
6xx: National use with possible region locks, smart chip required if detected
7xx: Special use, bank-specific agreements
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Second digit (Authorization):
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x0x: Normal authorization
x2x: Contact issuing bank
x4x: Contact issuing bank, special rules apply
Third digit (Services):
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