MyAITools
Decoder

Track 2 Decoder

Paste a Track 2 string to split it into the fields used during magstripe and EMV troubleshooting: PAN, expiry, three-digit service code, and discretionary data.

Key facts

Inputs
1 field: Track 2 data
Outputs
5 values: PAN, Expiry year (YY), Expiry month (MM), Service code, and Discretionary data
Runtime
your browser on the device
Mode
Decoder
Privacy
Files and text stay in the browser session.
Cost
$0, no account required

How to use Track 2 Decoder

  1. 1

    Paste or fill in the input

    Enter your text or values into the input fields on the page.

  2. 2

    Run the utility

    Click Compute to run the utility in your browser and review the result.

  3. 3

    Copy the output

    Copy the output value you need from the result panel.

Track 2 Decoder details

Track 2 represents card data as a compact sequence: the PAN, a separator, expiry in YYMM form, a three-digit service code, and issuer-defined discretionary data. This parser accepts the common '=' separator used in readable captures as well as the 'D' used when EMV tag 57 is displayed as hex-like text. Leading and trailing magstripe sentinels are optional.

Parsing happens entirely in your browser and does not validate, authorize, or contact an issuer. The result is for controlled development and troubleshooting with synthetic or properly protected test data. A structurally valid string is not proof that a card or transaction is genuine, and production PAN data must be handled under your organization's security and PCI DSS procedures.

Common searches

  • track 2 decoder
  • track 2 parser
  • iso 7813 track 2
  • magstripe track 2
  • track 2 reader
  • track 2 equivalent data

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Tools that work with the same formats — most users open one of these next.

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Payment & cardsGenerator

Card Number Generator

Generate Luhn-valid test card numbers (Visa, Mastercard, Amex, Discover, JCB, Diners) — for development only.

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Frequently asked

What is the difference between = and D in Track 2 data?

Readable magstripe Track 2 commonly uses = as the field separator. EMV tag 57 encodes the equivalent separator as the hexadecimal nibble D, so captures are often displayed with D instead.

Does this validate or authorize the card?

No. It only separates a formatted string into fields. It does not verify the PAN, cryptogram, issuer, card status, or transaction authorization.

Is the Track 2 value sent to a server?

No. Parsing runs locally in the browser. Even so, use synthetic test values whenever possible and follow your security controls for real payment data.