Dumps With PIN Track 1 And Track 2 This guide breaks down everything you need to know about writing dumps with PIN, the structure of Track 1 and Track 2 data, service codes, the new cyber threats in 2026, and how merchants and security professionals can protect against these threats.
dumps plug is cardingclub.ru and cvvplug.coWhat Are Dumps Track 1 and Track 2?
A card dump is the data encoded on the magnetic stripe of a payment card. The magnetic stripe stores data in three tracks, with Track 1 and Track 2 being the most relevant for payment processing, storing the primary account number, expiration date, service code, and cardholder name.
The magnetic stripe uses different encoding formats for each track. Track 1 follows the ISO/IEC 7811 standard developed by IATA, using 7-bit encoding (6 data bits + 1 odd parity bit) at 210 bpi density, supporting 64 alphanumeric characters including A-Z, 0-9, and special symbols . Track 2 follows the ISO/IEC 7813 standard developed by ABA, using 5-bit encoding (4 data bits + 1 odd parity bit) at 75 bpi density, supporting numeric characters and symbols like ; : = < > ? .
ISO/IEC 7813:2026 is currently in development and specifies the data structure and data content of magnetic tracks 1 and 2 used to initiate financial transactions, referencing layout, recording techniques, numbering systems, and registration procedures .
Track 1 Data Format
Track 1 uses a higher bit density (210 bits per inch vs. 75 for Track 2) and is the only track that can contain alphabetic text, including the cardholder’s name . It can store up to 79 alphanumeric characters .
The structure of Track 1 data follows a specific format :
· Start Sentinel: One character, generally %
· Format Code: One character, B (indicates a bank/financial card)
· Primary Account Number (PAN): Up to 19 characters
· Field Separator: One character, generally ^
· Name: 2 to 26 characters, surnames separated by space with / separator
· Field Separator: One character, generally ^
· Expiration Date: Four characters in the form YYMM
· Service Code: Three digits
· Discretionary Data: May include PVKI, PVV, CVV or CVC
· End Sentinel: One character, generally ?
Example Track 1:
%B5123456789012345^SMITH/JOHN^2403101000000001000000003000000?Track 2 Data Format
Track 2 uses a lower density (75 bits per inch) and is numeric-only. It is the track most commonly read by ATMs and physical payment processors due to its compact format . It can store up to 40 numeric characters .
The structure of Track 2 data follows a specific format :
· Start Sentinel: One character, generally ;
· Primary Account Number (PAN): Up to 19 characters
· Separator: One character, generally =
· Expiration Date: Four characters in the form YYMM
· Service Code: Three digits
· Discretionary Data: As in Track 1
· End Sentinel: One character, generally ?
Example Track 2:
;5123456789012345=24031010000000000000?Service Codes Explained
Service codes are three-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 .
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
Second Digit (Authorization):
· x0x: Normal authorization
· x2x: Contact issuing bank
· x4x: Contact issuing bank, special rules apply
Third Digit (Services):
· xx0: Any use, PIN required
· xx1: Any use, no PIN needed
· xx2: Goods/services only, no cash, no PIN
· xx3: ATM only, PIN required
· xx4: Cash only, no PIN
· xx5: Goods/services only, PIN required
· xx6: No restrictions, PIN when possible
· xx7: Goods/services only, PIN when possible
Example: In the dump 4256746500930321=1402101700102054, the service code is 101. This means worldwide use, no smart chip, normal authorization, no PIN needed .The 2026 Landscape – Magnetic Stripe vs EMV
Magnetic stripe data is static and unchanging. Unlike EMV chip cards, which generate a unique cryptographic code for each transaction, the stripe data is the same every time the card is swiped. This means that if stripe data is captured by a skimming device, it can be copied onto a blank card and used to make fraudulent transactions .
In the United States, Visa has announced plans to eliminate the requirement for magnetic stripes on new Visa-branded cards by 2027, with full phase-out of magnetic stripe acceptance requirements by 2029 for most merchants. Mastercard has announced a similar timeline. As these deadlines approach, terminals and card products are being updated to operate in chip-only and contactless-only modes .
Visa and Mastercard CVV Verification
Visa and Mastercard have specified a cryptographic method to calculate a value that relates to the personal account number (PAN), the card expiration date, and the service code . The Visa CVV and MasterCard CVC can be encoded on either track 1 or track 2 of a magnetic striped card and are used to detect forged cards . Because most online transactions use track-2, the CCA verbs generate and verify the CVV1 by the track-2 method .
The Visa CVV Generate verb calculates a 1-byte to 5-byte value through DES-encryption of the PAN, the card expiration date, and the service code using two data-encrypting keys or two MAC keys . The Visa CVV Verify verb calculates the CVV by the same method and compares it to the CVV supplied by the application .
New Threats and Considerations in 2026
EMV chip technology significantly reduced traditional card cloning, but it did not eliminate counterfeit fraud. Instead, criminals shifted their focus to the remaining vulnerabilities in the payment ecosystem . The static nature of magnetic stripe data makes it vulnerable to skimming, data cloning, and fallback exploitation.
When a chip cannot be read after repeated attempts, the terminal falls back to the magnetic stripe. Fraudsters deliberately force this fallback by using cloned magnetic-stripe cards with intentionally damaged or blank chips . Visa explicitly warns that fraudsters now deliberately force fallback to bypass chip security, and the associated fraud rate is rising .
Frequently Asked Questions
Q What is a card dump?
A A card dump is the data encoded on the magnetic stripe of a payment card, consisting of Track 1 and Track 2 data .
Q What is the difference between Track 1 and Track 2?
A Track 1 contains the cardholder’s name, card number, expiry date, and service code using alphanumeric characters. Track 2 contains the card number, expiry date, and service code in a numeric-only format and is the track most commonly read by payment terminals .
Q Why is magnetic stripe data vulnerable to fraud?
A The data is static—it is the same every time the card is swiped. This makes it vulnerable to skimming, data cloning, and other attacks .
Q What is magnetic stripe fallback?
A When a chip cannot be read after repeated attempts, the terminal falls back to the magnetic stripe. Fraudsters deliberately force this fallback using cloned cards with damaged chips .
Q When will magnetic stripes be phased out?
A Visa has announced plans to eliminate magnetic stripe requirements on new cards by 2027, with full phase-out by 2029 for most merchants. Mastercard has a similar timeline .
Q Are dumps with PIN still relevant in 2026?
A Yes. While EMV chips have reduced traditional cloning, criminals continue to exploit magnetic stripe vulnerabilities, particularly fallback transactions, and carding-as-a-service operations remain active .
Final Verdict
Understanding the structure and function of magnetic stripe data remains critical for cybersecurity research in 2026. Track 1 and Track 2 data formats are defined by ISO/IEC 7813, with alphanumeric encoding on Track 1 and numeric encoding on Track 2. Service codes dictate usage restrictions, authorization requirements, and PIN requirements.
While the industry is shifting toward EMV chip technology, magnetic stripe vulnerabilities persist through fallback exploitation, skimming, and data breaches. The 2026 updates to ISO/IEC 7813 reflect ongoing standardization efforts, and the planned phase-out of magnetic stripes in the United States by 2027-2029 marks a significant transition point.
For merchants, fraud prevention professionals, and cybersecurity researchers, understanding these technical specifications and the evolving threat landscape is essential for detecting and preventing counterfeit card fraud. The static nature of magnetic stripe data remains its fundamental vulnerability, and the shift to chip-only and contactless-only systems continues to accelerate.
