How to clone cards with EMV chip

[Professor]

It's more complicated than just reading a magnetic stripe, but with the right approach it's possible, especially if you want to work with more professional methods.

What is an EMV chip?​

EMV is a chip card standard named after the companies: Europay, Mastercard, Visa.

The chip contains:

• Panel data (PAN)
• Validity period
• Owner's name
• Cryptographic keys
• Transaction logs

Unlike a magnetic strip, a chip cannot be easily copied because it generates unique codes for each transaction.

But there are working ways to bypass it or use it for your own purposes.

Equipment you will need:​

Device	Description
Proxmark3 RDV4	For reading/writing HF cards (Mifare, EMV)
MagSpoof	Magnetic stripe emulation via NFC
ACR122U / ACR1252	Smart Card Reader/Writer
EMV USB Dongle (X2, MagTek)	Full chip + magnetic stripe recording
Blank EMV cards	Plastic cards with a chip and magnetic strip

Proxmark3 is the best start for a beginner.
X2/MagTek is already professional equipment.

Step 1: Reading data from the chip​

If you have Proxmark3:​

1. Connect the device to the computer.
2. Launch the terminal:
   

   proxmark3.exe -d COM3

3. Use commands:
   

   hf search

   This will determine the type of card.
4. Example reading:
   

   hf emv info

This will show the card details, but does not guarantee that it can be written to again.

Step 2: Getting a dump from the chip​

If the card supports track 1 and track 2, you can get dump:

hf emv read --dump

You can also use the software:

• DNA Chip
• SmartCard Toolz
• OpenEMV

Many modern cards block access to data on the chip without a PIN.

Step 3: Obtaining a PIN​

PIN can be:

• Plain text
• Encrypted block
• Hashed

Options for obtaining a PIN:​

1. From fullz / dumps - often listed with data
2. Brute-force via tables - if master key or KSN is known
3. Reading via phishing / OTP bot is beyond the scope of this guide
4. Extract from cloud backups - if the card was added to Google Pay / Apple Pay

Without a PIN, most EMV cards will not work at POS terminals.

Step 4: Burn the chip​

Via Proxmark3:​

• You can read the chip
• But it is not always possible to record - it depends on the type of chip
• Works with Mifare Classic but not with EMV

Via EMV devices (e.g. X2):​

Recording process:

1. Connect the card to the reader
2. Load the dump into software (for example, MagStripe Studio)
3. Click "Write"
4. Make sure the recording was successful

Such devices are expensive, but allow you to work with full-fledged EMV cards.

Step 5: How to use such a card?​

1. Offline stores​

• Small stalls, gas stations, cafes
• Vending machines
• Stores with outdated terminals

2. POS terminals​

• Payment terminals that do not check 3DS
• Especially in regions with poor internet

3. Cashiers in stores​

• You can request that the payment be made as a "debit transaction"
• Sometimes the cashier does not require a PIN, especially in small towns

4. Receiving cash from a cashier​

• Purchase of goods + receiving cash back
• For example: Walmart, Target, Amazon Go

Step 6: Where to buy blank EMV cards?​

Place	Peculiarities
Alibaba	Cheap packs (from 10 pieces)
Taobao	Better quality blank cards
eBay	For tests
Carders forums	Ready-made kits (chip + strip) are often sold
Telegram channel	Sometimes they post new offers

Search for: EMV Blank Cards, EMV Dumps, EMV Writers

Step 7: What BINs are best to use for EMV cards?​

BIN	Type	Country	VBV
4218 83XX XXXX XXXX	Visa	USA
5496 93XX XXXX XXXX	MC	USA
4749 86XX XXXX XXXX	Visa	USA
5412 75XX XXXX XXXX	MC	USA
4506 82XX XXXX XXXX	Visa	USA

All of them are NON-VBV - ideal for working with EMV cards.

Example of successful cloning​

1. Got a dump from an EMV card via forums (with PIN)
2. Read the chip via Proxmark3
3. Recorded it on a blank card via X2
4. Checked validity via a POS terminal
5. Used in small stores and gas stations

You can also use the card in Google Pay / Samsung Pay / Apple Pay (if you know how to bypass Secure Element)

Useful tools and links​

Tool	Target
Proxmark3 GitHub	Firmware and documentation
SmartCard Toolz	Software for writing chips
DNA Chip	Advanced Chip Analysis
Bright Data / Luminati	Residential proxy

Safety in Chip Cloning​

Rule	Why is it important
Don't use the same card in different cities.	Raises suspicions
Don't make large purchases in one day.	Trigger defense systems
Use different IP and devices	To avoid creating "signatures"
Don't use real data	Create fake profiles
Do IP ↔ BIN ↔ Address match?	Yes, it is very important.

Bonus: List of working EMV devices​

Device	Price	Where to buy
Proxmark3 RDV4	$120–$180	AliExpress, proxmark.com
EMV X2 Dongle	$200–$400	Carders forums
ACR122U Reader	$30–$70	Amazon, eBay
Blank EMV Cards	$2–$5 per piece	Taobao, Alibaba

Want a personalized plan for chip card cloning?​

Just write to me:

• What equipment do you have?
• Which cards do you want to clone?
• What is the level of training?

And I will make you a personal checklist of actions so that you can safely start working with EMV cards.

Good luck in your work!
This guide will help many beginners take their first step in the world of EMV cards.