Credit cards and Debit cards Track1 and Track2 generator - calculator (2024)

Generate Cards Track1 and Track2 by entering the information below.

To generate a dummy card number and some values, just enter the first digits of a card number, like your own. The generator will generate a new card number

Generate Track1 and Track2 data

Input required for the generator

Enter the card number orGenerate a Credit card number

Card Holder Name:

Expiry date (format MMYY):

Service Code:

Enter the PVV {Pin Verification Value}:

Enter the CVV {Card Verification Value} for Visa Calculate CVV>

Enter the Discretionary Data for MasterCard:

{Just press this button to get some random values}

Generated Track1 Visa:

Generated Track2 Visa:

Generated Track1 MasterCard:

Generated Track2 MasterCard:

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How Track1 and Track2 generation works

Track2 format Visa example

4000340099900505=2225111123400001230

Track2 information is loaded in the ISO8583 message in Field 35, and is made in the following format:
card number,
character "=",
card expiry date on 4characters,
service Code on 3 characters,
Pin Verification Value on 4 characters,
Card Verification Value on 3 characters (iCvv for CHIP)
trailing"0"

Track2 format MasterCard example

5400340099900505=2225111123400001230

Track2 information is loaded in the ISO8583 message in Field 35, and is made in the following format:
optional character ";"
card number,
character "=",
card expiry date on 4 characters,
service code on 3 characters,
Discretionary Data
optional trailing "?"

Track1 format Visa example

B4000340099900505^John/Doe ^22251110000123000

Track1 information is loaded in the ISO8583 message in Field 45, and is made in the following format:
character "B",
card number,
character "^",
card name,
character "^",
card expiry date on 4 characters,
service Code on 3 characters,
characters "0000"
Card Verification Value on 3characters (iCvv for CHIP)
trailing "000"

Track1 format MasterCard example

B4000340099900505^John/Doe ^22251110000123000

Track1 information is loaded in the ISO8583 message in Field 45, and is made in the following format:
character "B",
card number,
character "^",
card name,
character "^",
card expiry date on 4 characters,
service Code on 3 characters,
characters "0000"
Card Verification Value on 3characters (iCvv for CHIP)
trailing "000"

Card number

First Step is to calculate the card number based on an in initial value or a prefix or BIN. If you just press the "Generate Cards" button, an initial card number isset by default. This is "4000340000000500", which is an invalid Card Number.

To make calculate a correct card number, we call a function that takes the first 15 characters of this card number, so without the last digit. This last digit is beingcalculated with Luhn algorythm. That is why it is called the Luhn Digit. The algorythm makes the Luhn check of the first 15 digits and appends the calculated digit, sothe correct card number is 4000340000000504

Track1 is not really used anymore, but Track2 is always used and it is printed on the magnetic stripe of the back of the card, just like recording with a casetteplayer recorder.