Welcome, hustler. We are going to walk you through on how to write Track 1 and Track 2 dumps with a PIN in detail today. We’ve also added a tutorial on how to convert Track 2 to Track 1, thats if you are already familiar with writing tracks on cards. Prior to anything else, you should have a solid understanding of the fundamentals of carding.
If the word “track” doesn’t seem familiar, here’s a brief explanation: three tracks of data are stored on a card’s magnetic stripe. The banking information, such as account number, account holder name, issuing bank, and similar information, is stored in tracks 1 and 2. Tracks 1 and 2 are read by ATMs and POS terminals to approve deposits and pay outs.
Track 3 is available, although it’s optional and just used for additional data. It used to store customer data by large companies like Visa.
Breaking Down a Track 2 Dump
Track 2 carries the most weight of the three. Let me lay out its structure clearly.
A typical Track 2 dump looks like this:
514563446267380=12202040570004128900
The string before the equal sign (=) — 514563446267380 — is the primary account number. Match it against the physical card and you’ll see the numbers align.
The BIN sits in the first 6 digits of that account number. In this example, that’s 514563.
The equal sign (=) acts purely as a divider. The four digits immediately following it — 1220 — encode the YYMM (expiration month and year). Here, 12 = December, and 20 = a year ending in 20 (such as 2020).
The next three digits — 204 — form the Service Code. The first digit signals interchange rules, the second handles authorization processing, and the third defines the service range. Whatever remains is discretionary data.
What You’ll Need to Write Track 1 and 2 Dumps with PIN
- EMV Software — EMV Reader Writer Tan. EMV stands for Europay, MasterCard, and Visa. It enables testing of EMV contact and contactless smart cards through an application called EMV.EXE plus a testing script.
- MCR200 — A device that both writes tracks and reads smart cards.
- Service Codes — You’ll need codes beginning with 2.
- Smart Card — Distinct from an ordinary credit card.
Writing Track 1 and 2 Dumps with PIN — Step by Step
The process is straightforward as long as you don’t skip steps.
Step 1 — Open EMV.EXE
Assuming the software is installed, launch emv.exe as administrator and input the license key. You’ll find that key inside the .txt note file bundled with the software.
Step 2 — Hook Up the MCR200
With installation done, connect the MCR200 hardware to your computer. Inside the EMV Reader Writer Tan software, choose “Hardware,” then hit “Connect.”
Step 3 — Configure EMV
Once the MCR200 links up, a pop-up appears. Pick your card format and click “Check USD Port.” Select MasterCard, Visa, or whichever applies to your card.
Step 4 — Generate ARQC, Master Key, and CVV
Press “Generate ARQC” to produce a set of unique ARQC keys. Then press “Generate Master Key.” Lastly, check the box labeled “Generate a New ICVV For Each Transaction.”
Step 5 — Accept EPI MXI Credit Debit and ARPC Key
Accept both the EPI MXI credit/debit option and the ARPC Key. Store the ARPC Key safely — you’ll need it.
Step 6 — Apply EMV Tag and ICVV
Use the EMV Tag and ICVV, then click “Check ARQC KEY” followed by “Check Master Key.”
Step 7 — Set Expiry and Enter PIN
Enter the card’s expiry using only month and year — credit cards never request the day. If you have the PIN, add it here. The PIN is optional, but without it the card won’t work at an ATM. Without a PIN, you’re limited to POS transactions, which is the recommended route anyway.
Step 8 — Input Track 1 and Track 2
Enter both tracks now. Keep in mind Track 2 swaps the equal sign (=) for a “D.” For example:
514563446267380=12202040570004128900
turns into:
514563446267380D12202040570004128900
The reason for the swap: the EMV software operates in .hex format rather than .txt, and both POS and ATM systems run in .hex.
Step 9 — Burn the Smart Card
Once the track is entered, press “Valid.” A pop-up displays the information you’ve written. If it all looks right, hit “Burn Card.” The burn takes roughly two minutes.
When it wraps up, click “Exit” to close the EMV software before removing the card.
Important: Always exit the software before pulling the card out.
Step 10 — Verify the Card Data
Before shutting anything down, double-check the data. Restart the software, attach the card to the MCR200, and hit “Read Card.” Within about a minute, the software returns the stored data.
If all is well, you’re ready to use an ATM or POS to cash out. POS is the safer bet.
Building Track 1 from Track 2 Dumps
Now let’s cover how to construct Track 1 from Track 2. Here’s our sample dump:
514563446267380=12202040570004128900
Chase Bank (USA) credit platinum.
The details for this example:
- Bank Name: Chase Bank
- Name on Card: John/Pat (first and last)
- Bank Country: USA
- Credit or Debit: Credit
- Card Type: Platinum
Rule of thumb: An equal sign (=) in the track means Track 2. A letter B means Track 1.
Step 1 — Write the Card Number
Here, the account number is 514563446267380 — everything before the equal sign.
Step 2 — Replace the Equal Sign
Swap the equal sign (=) for B:
B514563446267380
Step 3 — Insert the Cardholder Name
Attach the cardholder’s name using a caret (^):
B514563446267380^John/Pat^1220
Step 4 — Add the Service Code
The Service Code is the three digits directly after YYMM — here, 204:
B514563446267380^John/Pat^1220204
Then append the remaining code. In this case, it’s 0570004128900:
B514563446267380^John/Pat^12202040570004128900
Step 5 — Append 6 Zeros
After the remaining code, add 6 zeros. Your finished Track 1 looks like:
B514563446267380^John/Pat^12202040570004128900000000
Heads up: This approach fails with Amex cards. It works with Visa and MasterCard only.