Financial Transaction Message Tools

Free Online Financial Transaction Message Utility Tools


Extract Card Track Information




Card Tracks



Track 1 (IATA)

Up to 79 ALPHA 7-bit (including parity) characters (alphanumeric) including SS, ES and LRC.

Track 1 :

Track1 Example : %B1234567890123456789^THIS IS NAME FIELD (26 Ch)^191012314444333?
Data Fields Length Description Value
SS 1 Character Start Sentinel "%"

FC (1 Character - Alphabetic Only) A: Reserved for proprietary use of card issuer.
B: Bank/Financial.
C-M: Reserved for use by ANSI Subcommittee X3B10.
N-Z: Available for use by individual card issuers.

PAN (up to 19 digits) Primary Account Number

FS 1 Character Field Separator (^)

NM 2-26 Characters Name

FS 1 Character Field Separator(^)

ED 4 Digits Expiry Date (YYMM)

SC 3 Digits Service Code

PVV 5 Digits Offset or PVV (PIN Verification Value)

DD Rest of characters Discretionary Data. (Reserved for propprietary use of card issuer)

ES 1 Character End Sentinel (?)

LRC 1 Character Longitude Redundancy Check


Track 2 (ABA)

Up to 40 BCD 5-bit (including parity) characters (numberic) including SS, ES and LRC.

Track 2 :

Track2 Example : ;1234567890123456789=191022000000000000?
Data Fields Length Description Value
SS 1 Character Start Sentinel (;)

PAN Up to 19 digits Primary Account Number

FS 1 character Field Separator (=)

ED 4 digits Expiry Date (YYMM)

SC 3 digits Service Code

PVV 5 digits Offset or PVV (PIN Verification Value)

DD Rest of characters Discretionay Data (Reserved for proprietary use of card issue

ES 1 Character End Sentinel (?)

LRC 1 Character Longitude Redundancy Check


Track 3 (THRIFT-TTS)

Up to 107 BCD 5-bit (including parity) characters (numeric) including SS,ES and LRC.

Track 3 :

Data Fields Length Description Value
SS 1 Character Start Sentinel

FC 2 Digits Format Code
00: Not valid for international interchange.
01-02: Bank/Financial.
03-19: Reserved for future use by ISO/TC 68. 20-89: Reserved for future use by ISO/TC 68. 90-99: Reserved for proprietary use for card issuer.

PAN Up to 19 digits Primary Account Number

FS 1 Character Filed Separator (Value is =)

CC 3 Digits Country Code

CuC 3 Digits Currency Code

CE 1 Digit Currency Exponent 0-5: Power of ten

AA 4 Digits Amount Authorized per cycle

AR 4 Digits Amount Remaining this cycle

CB 4 Digits Cycle Begin (Validity Date)

CL 2 Digits
    Cycle Length
  • 00: infinite
  • 01-79: Number of days
  • 80: Cycle begin each 7 days
  • 81: Cycle begin each 14 days
  • 82: Cycle begin each 1st and 15th days of every month
  • 83: Cycle begin the day of the month specified in CB of every month
  • 84: Cycle begins the day of the month specified in CB of every third month
  • 85: Cycle begins the day of the month specified in CB of every sixth month
  • 86: Cycle begins the day of the year sepecified in CB of every year
  • 87-89: Reserved for future use by ISO/TC 68
  • 90-99: Reserved for proprietary use of card issuer.

RC 1 Digit Retry Count

PINCP 6 Digits PIN Control Parameters (PINPARM)

IC 1 Digit
    Interchange Control
  • 0: No restriction
  • 1: Not available for international interchange.
  • 2-8: Limited interchange, only local use.
  • 9: Limited interchange, recommended for test card.

PANSR 2 Digits PAN Service Restriction
First digit defines type of account:
1: Savings account.
2: Current or checking account.
3: Credit card account.
4: Generic or universal account.
5: Interest-bearing current or checking account.
6-8: Reserved for future use by ISO/TC 68.
9: Reserved for card issuer's internal use,.
The second digit defines the service restrictions:
0: No restrictions.
1: No cash dispense.
2: No point of sale (POS) transaction.
3: No cash dispense and no POS transaction.
4: Authorization required.
5-7: Reserved for future use by ISO/TC 68.
8-9: Reserved for card issuer's internal use.

FSANSR 2 Digits FSAN Service Restriction. (Same values and meaning as for PANSR field)

SSANSR 2 Digits SSAN Service Restriction. (Same values and meaning as for PANSR field)

ED 4 Digits Expiry Date (YYMM). If this field is not used a FS will be in place.

CSN 1 Digit Card Sequence Number

CScN 9 Digits Card Security Number

FSAN First Subsidiary Account Number. Variable number of digits.

FS 1 Character Field Separator (value is .)

SSAN Variable number of digits Secondary Subsidiary Account Number

FS 1 Character Field Separator (value is =)

RM 1 Digit
    Relay Marker
  • 0: Include AD and DD fields in transactions messages.
  • 1: Do not include AD field in transactions messages.
  • 2: Do not include DD field in transactions messages.
  • 3-9: Invalid

CCD 6 Digits Crypto Check Digits,
A validation value which permits integrity verification of the magnetic stripe content. If this field is not used a FS will be in place.

AD Rest of characters Additional Data

ES 1 Character End Sentinel (value is ?)

LRC 1 Character Longitude Redundancy Check