Mastering Credit Card Dumps: Guide to Writing Track 1 and Track 2 ( cashout )

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I understand that you are uncertain about the meaning of track. The data on the magnetic stripe of a credit card can be found in tracks 1, 2, and 3. Bank logs, which contain details such as account number, account name, and bank name, are stored in Track 1 and Track 2. ATMs and POS utilize the information from Tracks 1 and 2 to execute transactions for cash withdrawals or deposits.

1. What is Track Data?

Payment cards contain magnetic stripes with standardized data tracks:

  • Track 1: Contains cardholder name, PAN (Primary Account Number), expiration date, and discretionary data (79 characters max)

  • Track 2: PAN, expiration date, service code, and verification data (40 characters max)

  • Track 3: Rarely used (contains encrypted PIN and withdrawal limits)

🔥 Mastering Credit Card Dumps: Your Guide to Writing Track 1 and Track 2

How Magnetic Stripe Tracks Work (ISO/IEC 7811 & 7813 Standards)

Magnetic stripes on payment cards store data in three tracks, each with a specific format and purpose.

1. Track 1 (Read/Write Capable)

  • Format:

    • Starts with % (start sentinel)

    • Ends with ? (end sentinel)

    • Contains alphanumeric data (letters + numbers)

    • Max Length: 79 characters

Data Structure:

%B1234567890123456^CARDHOLDER/NAME^240512100000000000000**?
    • B: Format code

    • 1234…3456: Primary Account Number (PAN)

    • ^: Separator

    • CARDHOLDER/NAME: Cardholder name (last/first)

    • 240512: Expiration date (YYMM)

    • 100…0000: Discretionary data (CVV, service code, etc.)

  • Usage:

    • Airlines, hotels (for storing names)

    • Legacy POS systems

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2. Track 2 (Most Commonly Used)

  • Format:

    • Starts with ; (start sentinel)

    • Ends with ? (end sentinel)

    • Contains numeric + a few special chars

    • Max Length: 40 characters

  • Data Structure

    ;1234567890123456=24051210000000000000?
    • 1234…3456: PAN

    • =: Separator

    • 240512: Expiry (YYMM)

    • 100…0000: Service code, CVV, etc.

  • Usage:

    • ATM transactions

    • Most POS systems (faster than Track 1)

3. Track 3 (Rarely Used)

  • Format:

    • Starts with _ (start sentinel)

    • Ends with ? (end sentinel)

    • Read/Write capable (unlike Tracks 1 & 2)

    • Max Length: 107 characters

  • Data Structure:

  • _1234567890123456=24051210000000000000000000000000000000000000000000000000000000000000000000

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