101 and 201 dump service codes with chip

Service code types

It is known that 2 tracks are used for karding in dumps. Many carders only know 101 and 201 service codes. 101 code is a dump doesn't have a chip and a pin. 201 dump has a chip and doesn't have a pin. But did you know that there are many more service codes, such as: 121,126,206,220,221,226,521,606,620 and others that can be used in our business? Now we will explain everything!

Format of track 2

This format was created by banks (ABA). The track is written with a 5-bit scheme (4 data bits + 1 parity), which allows for sixteen possible characters, which are the numbers 0-9, plus the six characters ":;<=>?" .
  • Start sentinel — one character (generally ';')
  • Primary account number (PAN) — up to 19 characters. Usually, but not always, matches the credit card number printed on the front of the card.
  • Separator — one char (generally '=')
  • Expiration date — four characters in the form YYMM.
  • Service code — three digits. The first digit specifies the interchange rules, the second specifies authorization processing and the third specifies the range of services
  • Discretionary data — as in track one
  • End sentinel — one character (generally '?')
  • Longitudinal redundancy check (LRC) — it is one character and a validity character calculated from other data on the track.

Most reader devices do not return this value when the card is swiped to the presentation layer, and use it only to verify the input internally to the reader.

Service code values common in financial cards:

First digit
  1. International interchange OK
  2. International interchange, use IC (chip) where feasible
  3. National interchange only except under bilateral agreement
  4. National interchange only except under bilateral agreement, use IC (chip) where feasible
  5. No interchange except under bilateral agreement (closed loop)
  6. Test
Second digit
  1. Normal
  2. Contact issuer via online means
  3. Contact issuer via online means except under bilateral agreement
Third digit
  1. No restrictions, PIN required
  2. No restrictions
  3. Goods and services only (no cash)
  4. ATM only, PIN required
  5. Cash only
  6. Goods and services only (no cash), PIN required
  7. No restrictions, use PIN where feasible
  8. Goods and services only (no cash), use PIN where feasible

Now you know, what is 101 and 201 dumps service codes. And how to make money more effective.

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