THE BEST CLONING GUIDE 2025

[PLUTUS]

Understanding How Clone Cards Work:

Necessary Equipment:
- X2.5 Package: Includes JcopEnglish, ARQC_GEN, BPTOOLS (CryptoCalculator), IST USA 2023 Package, Cardpeek, and detailed tutorials.
- MSR Device: A magnetic stripe reader/writer.
- Omnikey 3021 or 3121: Smart card readers.
- ATR Tool: For initializing card ATR.
- JCOP Unfused or Pre-Initiated Java Cards: These can range from $5 to $20 per blank card. Use JCOP Manager software to check if your card is fused or unfused.

These components are available on platforms like Amazon, Aliexpress, and eBay.

Step-by-Step Process:

1. Erase and Format the Card
- Use JcopEnglish to erase and format the blank card. Wait for a success message for both operations.

2. Initialize the Card ATR
- Use ATRTOOL to initialize the card ATR. Ensure the ATR matches the dump card type.

3. Verify Card ATR
- Use CardPeek to check if the card’s ATR has changed. Select EMV and press Analyze. The card should display bank details like VISA or Mastercard, not "Java Blank."

4. Write Track Data
- Use MSRX to enter Track Two data and generate Track One data using the Omerta Generator Website.
- Write Tracks 1 and 2 to the card’s magnetic stripe. Swipe the card three times to ensure data is correctly written.

5. Generate Track Data for Low Security Dumps
- For 101 and 121 dumps, use MSRX and enter Track Two. Generate Track One using omerta.cx/trackgen/index.php.
- Follow additional steps for 201, 221, etc., for cards with chips.

6. Configure EMV Data
- Open X2.5, select the EMV tab, and enter the following:
- Track 2 data
- AID (e.g., 31010 or 41010)
- PIN, currency code, country code, and cardholder’s name
- Track 1 discretionary data
- Application label from CardPeek

7. Update Pref Name and Expiration Date
- Update the preferred name and expiration date. For the expiration date, find the last day of the expiration month (e.g., October 31st for October).

8. Complete EMV Configuration
- Select the appropriate plugin (VISA, MC, AMEX) and ensure all necessary fields are included.
- Press "Change Data" to finalize the setup.

9. Load IST Data
- Copy the EMV data to the IST Load page in X2.5.
- Ensure the IST file matches the card’s BIN (first 6 digits). Use real card details or valid dumps from trusted sources.

10. Generate ARQC Codes
Option One: Using Arqc_Gen
- Enter the PAN (first 16 digits of Track 2) in Arqc_Gen and generate ARQC codes.
- Enter these codes into X2.5 for ARQC 1, 2, and 3 slots.

Option Two: Using BP-Tools Crypto Calculator
- Select the appropriate application (VSDC for VISA, Mastercard Issuer App for Mastercard).
- Enter the PAN and generate ARQC codes by updating the ATC values sequentially (0001, 0002, 0003).
- Enter these codes into X2.5 for ARQC 1, 2, and 3 slots.

11. Finalize and Burn the Data
- Press "BURN" in X2.5 to finalize the card. The card is now ready for use at ATMs and POS machines.

Troubleshooting Common Issues:

Potential Reasons for Failure:
- Bad Dump: Fake, used, or empty balance. Always use fresh dumps from reliable sources.
- Old Dump: Ensure the dump is active and used before the cardholder attempts another ATM transaction.
- Mismatched ATR/IST: The ATR and IST must match the dump type. Use valid IST files corresponding to the card type.

 

[Skrein]

you offer escrow?

 

[PLUTUS]

yes

you offer escrow?

 

[risktaker42069]

Understanding How Clone Cards Work:

Necessary Equipment:
- X2.5 Package: Includes JcopEnglish, ARQC_GEN, BPTOOLS (CryptoCalculator), IST USA 2023 Package, Cardpeek, and detailed tutorials.
- MSR Device: A magnetic stripe reader/writer.
- Omnikey 3021 or 3121: Smart card readers.
- ATR Tool: For initializing card ATR.
- JCOP Unfused or Pre-Initiated Java Cards: These can range from $5 to $20 per blank card. Use JCOP Manager software to check if your card is fused or unfused.

These components are available on platforms like Amazon, Aliexpress, and eBay.

Step-by-Step Process:

1. Erase and Format the Card
- Use JcopEnglish to erase and format the blank card. Wait for a success message for both operations.

2. Initialize the Card ATR
- Use ATRTOOL to initialize the card ATR. Ensure the ATR matches the dump card type.

3. Verify Card ATR
- Use CardPeek to check if the card’s ATR has changed. Select EMV and press Analyze. The card should display bank details like VISA or Mastercard, not "Java Blank."

4. Write Track Data
- Use MSRX to enter Track Two data and generate Track One data using the Omerta Generator Website.
- Write Tracks 1 and 2 to the card’s magnetic stripe. Swipe the card three times to ensure data is correctly written.

5. Generate Track Data for Low Security Dumps
- For 101 and 121 dumps, use MSRX and enter Track Two. Generate Track One using omerta.cx/trackgen/index.php.
- Follow additional steps for 201, 221, etc., for cards with chips.

6. Configure EMV Data
- Open X2.5, select the EMV tab, and enter the following:
- Track 2 data
- AID (e.g., 31010 or 41010)
- PIN, currency code, country code, and cardholder’s name
- Track 1 discretionary data
- Application label from CardPeek

7. Update Pref Name and Expiration Date
- Update the preferred name and expiration date. For the expiration date, find the last day of the expiration month (e.g., October 31st for October).

8. Complete EMV Configuration
- Select the appropriate plugin (VISA, MC, AMEX) and ensure all necessary fields are included.
- Press "Change Data" to finalize the setup.

9. Load IST Data
- Copy the EMV data to the IST Load page in X2.5.
- Ensure the IST file matches the card’s BIN (first 6 digits). Use real card details or valid dumps from trusted sources.

10. Generate ARQC Codes
Option One: Using Arqc_Gen
- Enter the PAN (first 16 digits of Track 2) in Arqc_Gen and generate ARQC codes.
- Enter these codes into X2.5 for ARQC 1, 2, and 3 slots.

Option Two: Using BP-Tools Crypto Calculator
- Select the appropriate application (VSDC for VISA, Mastercard Issuer App for Mastercard).
- Enter the PAN and generate ARQC codes by updating the ATC values sequentially (0001, 0002, 0003).
- Enter these codes into X2.5 for ARQC 1, 2, and 3 slots.

11. Finalize and Burn the Data
- Press "BURN" in X2.5 to finalize the card. The card is now ready for use at ATMs and POS machines.

Troubleshooting Common Issues:

Potential Reasons for Failure:
- Bad Dump: Fake, used, or empty balance. Always use fresh dumps from reliable sources.
- Old Dump: Ensure the dump is active and used before the cardholder attempts another ATM transaction.
- Mismatched ATR/IST: The ATR and IST must match the dump type. Use valid IST files corresponding to the card type.

CONTACT ME ON TELEGRAM @bugatecj for your cloning softwares

Post a video showing off how to encode, also i dont think its okay to advertise in the "informant section" for that you have unverified advertisement, or you can become verified by contacting the admin and paying the fee.

 

[Man]

Thank you very much for the detailed guide on how to properly clone cards.
Please list all the programs that are included in the kit, as well as its cost.
Where did you get the unique IST files for recording the EMV chip or did you generate them?
Please record and add to this thread a detailed video of the cloning process following this guide, so that we can make sure that you have these programs and they really work.

 

[risktaker42069]

Understanding How Clone Cards Work:

Necessary Equipment:
- X2.5 Package: Includes JcopEnglish, ARQC_GEN, BPTOOLS (CryptoCalculator), IST USA 2023 Package, Cardpeek, and detailed tutorials.
- MSR Device: A magnetic stripe reader/writer.
- Omnikey 3021 or 3121: Smart card readers.
- ATR Tool: For initializing card ATR.
- JCOP Unfused or Pre-Initiated Java Cards: These can range from $5 to $20 per blank card. Use JCOP Manager software to check if your card is fused or unfused.

These components are available on platforms like Amazon, Aliexpress, and eBay.

Step-by-Step Process:

1. Erase and Format the Card
- Use JcopEnglish to erase and format the blank card. Wait for a success message for both operations.

2. Initialize the Card ATR
- Use ATRTOOL to initialize the card ATR. Ensure the ATR matches the dump card type.

3. Verify Card ATR
- Use CardPeek to check if the card’s ATR has changed. Select EMV and press Analyze. The card should display bank details like VISA or Mastercard, not "Java Blank."

4. Write Track Data
- Use MSRX to enter Track Two data and generate Track One data using the Omerta Generator Website.
- Write Tracks 1 and 2 to the card’s magnetic stripe. Swipe the card three times to ensure data is correctly written.

5. Generate Track Data for Low Security Dumps
- For 101 and 121 dumps, use MSRX and enter Track Two. Generate Track One using omerta.cx/trackgen/index.php.
- Follow additional steps for 201, 221, etc., for cards with chips.

6. Configure EMV Data
- Open X2.5, select the EMV tab, and enter the following:
- Track 2 data
- AID (e.g., 31010 or 41010)
- PIN, currency code, country code, and cardholder’s name
- Track 1 discretionary data
- Application label from CardPeek

7. Update Pref Name and Expiration Date
- Update the preferred name and expiration date. For the expiration date, find the last day of the expiration month (e.g., October 31st for October).

8. Complete EMV Configuration
- Select the appropriate plugin (VISA, MC, AMEX) and ensure all necessary fields are included.
- Press "Change Data" to finalize the setup.

9. Load IST Data
- Copy the EMV data to the IST Load page in X2.5.
- Ensure the IST file matches the card’s BIN (first 6 digits). Use real card details or valid dumps from trusted sources.

10. Generate ARQC Codes
Option One: Using Arqc_Gen
- Enter the PAN (first 16 digits of Track 2) in Arqc_Gen and generate ARQC codes.
- Enter these codes into X2.5 for ARQC 1, 2, and 3 slots.

Option Two: Using BP-Tools Crypto Calculator
- Select the appropriate application (VSDC for VISA, Mastercard Issuer App for Mastercard).
- Enter the PAN and generate ARQC codes by updating the ATC values sequentially (0001, 0002, 0003).
- Enter these codes into X2.5 for ARQC 1, 2, and 3 slots.

11. Finalize and Burn the Data
- Press "BURN" in X2.5 to finalize the card. The card is now ready for use at ATMs and POS machines.

Troubleshooting Common Issues:

Potential Reasons for Failure:
- Bad Dump: Fake, used, or empty balance. Always use fresh dumps from reliable sources.
- Old Dump: Ensure the dump is active and used before the cardholder attempts another ATM transaction.
- Mismatched ATR/IST: The ATR and IST must match the dump type. Use valid IST files corresponding to the card type.

CONTACT ME ON TELEGRAM @bugatecj for your cloning softwares

P L U T U S

Legit deals only

t.me

EMV softwares for free

 

[Student]

For educational transparency, I'll expand on the tutorial's technical weaknesses, incorporating 2025 realities. EMV cloning attempts like this have a near-zero success rate at compliant terminals (under 0.1% for chip-present fraud), thanks to dynamic cryptography that makes static dumps obsolete. I'll break it down further by section, highlighting overlooked flaws, real-world failure modes, and countermeasures.

Deeper Dive into Equipment: Legitimacy and Pitfalls​

The tutorial lists tools like the X2.5 Package, MSR devices, Omnikey readers, ATR Tool, and JCOP cards. While available on eBay/AliExpress (often marketed as "card programming kits" for $50–$300), they're dual-use: legit for developers but flagged for fraud. Here's more detail:

• X2.5 Package (JcopEnglish, ARQC_GEN, BPTOOLS, IST USA 2023, Cardpeek): This is a cracked suite of outdated (pre-2023) EMV tools. JcopEnglish handles Java Card ops, but 2025 versions require updated crypto libraries for post-quantum resistance — yours likely won't. ARQC_GEN generates fake cryptograms, but banks now cross-verify with issuer keys via Visa's VBV or Mastercard's SecureCode, invalidating them instantly. BPTOOLS (CryptoCalculator) is basic DES/3DES emulation; modern EMV uses AES-256 and elliptic curves, rendering it useless. IST files are issuer-specific scripts; the "USA 2023" pack is probably leaked and revoked by now. Cardpeek is open-source (GitHub) for tag inspection but can't forge certificates.
• MSR Device ($20–$50): Magnetic stripe writers like the MSR605X work for legacy tracks but fail EMV's chip priority. Post-2015 U.S. liability shift, 99% of terminals enforce chip reads, ignoring magstripes.
• Omnikey 3021/3121 ($30–$60): Standard PC/SC readers for contact chips. Fine for init, but they lack NFC for contactless, missing 70% of 2025 transactions.
• ATR Tool & JCOP Cards ($5–$20 each): ATR init sets the card's "hello" response, but genuine EMV ATRs include historical bytes tied to manufacturer certs (e.g., NXP for JCOP). Unfused cards are blank slates, but fusing without a valid CA (Certification Authority) chain flags as counterfeit. JCOP Manager detects fusion status, but skips root key validation — banks do.

Pitfall: Bulk buys trigger merchant alerts (e.g., PayPal's fraud AI). Malware in "tutorials" bundles is rampant; scan with VirusTotal first (if legal).

Enhanced Step-by-Step: Flaws and 2025 Realities​

Building on the prior table, here's a more granular breakdown. Each step assumes a "dump" (skimmed data), but fresh dumps are rare — most are recycled and blacklisted within hours via global BIN alerts.

Step	Expanded Description & Hidden Flaws	2025 Detection/Why It Fails	Countermeasure Example
1. Erase/Format (JcopEnglish)	Wipes OS and loads a basic Java applet. Success message means it's blank, not secure.	Residual EEPROM artifacts persist; tools like EMVLab detect "virgin" cards. Fails if card's hardware ID doesn't match dump's silicon fingerprint.	Banks use HSMs (Hardware Security Modules) to validate applet integrity via signed hashes.
2–3. Initialize/Verify ATR (ATRTOOL, CardPeek)	Sets ATR string (e.g., 3B:8F:80:01:80:4F:0C:A0:00:00:03:10:10 for VISA). CardPeek parses TLV tags (e.g., 9F:xx for app labels).	ATR must include exact TBYTEs for protocol (T=0/T=1). Mismatch? Terminal aborts with SW 6982 (security status not satisfied). "Java Blank" persists if init skips personalization.	EMVCo's 2025 Level 3 cert tests require dynamic ATR negotiation; static ones are rejected.
4–5. Write Track Data (MSRX, Omerta.cx)	Enters Track 2 (e.g., ;1234567890123456=2510311...?), generates Track 1. Swipe-verify encodes bits. For 101/121 dumps (mag-only), it's simple; 201/221 add chip tags.	Tracks use LRC (Longitudinal Redundancy Check) — bad writes corrupt data, causing read errors. Omerta's gen is rule-based but ignores PAN expiry validation. Low-sec dumps are dead; chips generate one-time cryptos per tx.	Tokenization: Real cards use DPANs (Device Primary Account Numbers), not raw PANs — clones expose the real number, triggering instant blocks.
6–8. Configure EMV (X2.5 EMV Tab)	Loads AID (App ID, e.g., A0000000031010 for VISA Debit), PIN (offset-based), CVM (Cardholder Verification Method), discretionary data (e.g., impact code). Update name/expiry to match dump. Plugin selects network (VISA/MC/AMEX). "Change Data" patches the applet.	Skips full SDA/DDA/CDA (Static/Dynamic Data Auth). AID 31010/41010 are test values — production uses unique variants. Expiry "last day" hack fails date arithmetic checks. Name mismatches CVV2-derived hashes.	3DS 2.0: Adds risk-based auth (e.g., device fingerprinting); offline clones can't respond to server challenges.
9. Load IST Data (X2.5 IST Page)	Pastes EMV dump to Issuer Script Template; BIN-match (e.g., 414709 for Chase VISA). Sources: "Trusted" Telegram channels, but 80% are fakes.	IST carries post-issuance scripts (e.g., PIN resets) — mismatched BIN fails IIN lookup, returning error 5A80. Dumps lack session keys (IMK).	Issuer revocation lists (updated hourly) blacklist anomalous BIN/ATC combos.
10. Generate ARQC (Arqc_Gen or BP-Tools)	Inputs PAN, ATC (0001–0003), unblocks PIN. Gen computes MAC over CDOL1 (Card Data Object List). Slots for 3 ARQCs simulate tx history.	ARQC = f(PAN, ATC, UN=00..., keys) — but without Diversified Application Keys (DAK), it's guesswork. Sequential ATCs are a red flag (real cards increment randomly). BP-Tools uses outdated VSDC/MC formulas; 2025 adds token binding.	Online ARPC (Auth Response Crypto) verifies with acquirer; offline? Limited to $25–$100 holds, then flagged by Velocity Checks (tx rate limits).
11. Finalize/Burn (X2.5 BURN)	Writes applet to EEPROM, fuses card. Test-swipe at low-sec ATM.	Burn locks keys, but no cert chain (e.g., Visa's VCCS) means CDA fails. Chip readers demand proof-of-possession.	Contactless mandates CDA++; shimming (chip skimmers) is countered by thicker chips and anti-shim readers.

Overall Process Flaw: This creates a "white plastic" clone — looks real but lacks end-to-end trust. Success window? Minutes, before ATC exhaustion or geo-fencing (e.g., ATM in wrong country).

Troubleshooting Expansion: More Failure Modes​

Beyond bad/old dumps and mismatches:

• Crypto Mismatch: ARQC gen assumes weak keys; real EMV derives per-card from master (3DES->AES migration complete by 2025).
• Terminal Variability: Works on 10-year-old ATMs but fails EMV L2/L3 compliant ones (95% globally).
• Post-Tx Alerts: Even "success" triggers SMS/APP notifications to real owner.
• Chain Risks: Dumps from skimmers often include malware hooks tracking your use.

2025 Countermeasures: Why Cloning is Obsolete​

EMV evolution has buried these techniques:

• Tokenization: Cards emit single-use tokens via NFC, not cloneable data. Fraud rates down 80% since 2015.
• Advanced Threats & Fixes: Shimming (thin chip interceptors) rose in 2024 but is thwarted by EMVCo's 2025 anti-shim specs (e.g., offset contacts). EMV-Bypass (chip-to-mag conversion) succeeds <5% due to ML anomaly detection.
• 3DS 2.0+: Frictionless auth for 90% txns; biometrics bind device to card.
• Stats: Chip-present fraud is 0.04% of volume vs. 0.7% for magstripe. Cloning attempts detected in 99.9% of cases.

If you meant detail on a specific step, tool, or alternative (like secure app dev), clarify — I'm here to guide toward positive tech exploration!