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MAGNETIC STRIPE CARD STANDARDS 2021-07-25

Magnetic Stripe Encoding - Financial Transaction Cards
Card Data Format - Track 1
Dimensions - Financial Transaction Cards
Track Recording Density Character Conguration Information Content
(bits per inch) (including parity bit) (including control characters)
0.110” 1 IATA 210 7 bits per character 79 alphanumeric characters
0.110” 2 ABA 75 5 bits per character 40 numeric characters
0.110” 3 THRIFT 210 5 bits per character 107 numeric characters
0.223”
ISO
7810 Physical characteristics of credit
card size document
7811-1 Embossing
7811-2 Magnetic stripe - low coercivity
7811-3 Location of embossed characters
7811-4 Location of tracks 1 & 2
7811-5 Location of track 3
7811-6 Magnetic stripe - high coercivity
7813 Financial transaction cards
2.125”
0.030” Thick
3.375”
MAGNETIC STRIPE
EMBOSSED INFORMATION
76 ALPHANUMERIC DATA CHARACTERS
SS
Format Code
Longitudinal Redundancy
Check character
FC
LRC
Start Sentinel %
Field Separator ^
End Sentinel ?
SS
FS
ES
FC PAN FS NAME FS ADDITIONAL DATA DISCRETIONARY DATA ES LRC
Primary Account No.
(19 digits Max.)
Name
(26 alphanumeric characters Max.)
No. of characters
Expiration date (YYMM) 4
Service Code 3
No. of characters
*PVKI 1
*PVV or Oset 4
*CVV or *CVC 3
Some or all of the above
elds may be found with the discretionary data
*(PVKI) PIN Verication Key Indicator
*(PVV) PIN Verication Value
*(CVV) Card Verication Value
*(CVC) Card Validation Code
Card Data Format - Track 2
37 NUMERIC DATA CHARACTERS
SS
Longitudinal Redundancy
Check character
LRC
PAN FS ADDITIONAL DATA DIS CR ETIONAR Y DATA ES LRC
Primary Account No.
(19 digits Max.)
No. of characters
Expiration date (YYMM) 4
Service Code 3
No. of characters
*PVKI 1
*PVV or Oset 4
*CVV or *CVC 3
Some or all of the above
elds may be found with
the discretionary data
Card Data Format - Track 3 (ISO 4909)
104 NUMERIC DATA CHARACTERS
SS
Format Code (2 digits)
Longitudinal Redundancy
Check character
FC
LRC
FC PAN FS USE AND SECURITY DATA ADDITIONAL DATA ES LRC
Primary Account No.
(19 digits Max.)
No. of char acters
Country Code (optional) 3
Currency Code 3
Currency Exponent 1
Amount Authorized per Cycle 4
Amount Remaining this Cycle 4
Cycle Begin (Validity Date) 4
Cycle Length 2
Retry Count 1
PIN Control Parameters (optional) 6
Interchange Controls 1
PAN Service Restriction 2
SAN-1 Service Restriction 2
SAN-2 Service Restriction 2
Expiration Date (optional) 4
Card Sequence Number 1
Card Security Number (optional) 9
No. of characters
First subsidiary Account No.
(optional)
Secondary Subsidiary Account No.
(optional)
Relay Marker 1
Cryptographic Check Digits 6
(optional)
Discretionary Data
Start Sentinel Hex B ;
Field Separator Hex D =
End Sentinel Hex F ?
SS
FS
ES
*White boxes identify control characters
Start Sentinel Hex B ;
Field Separator Hex D =
End Sentinel Hex F ?
SS
FS
ES
*White boxes identify control characters
*A Field Separator (FS) must be used if an
optional eld is not used
The track formats used in this document are based on ISO Standards, however, other formats may be used.

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