X2 EMV CARD CLONING TUTORIAL WITH VIDEO 2025

Skrein said:
HOW TO CLONE IN 2024

Required Equipment:
1. Omnikey (for writing the chip data on the card)
2. Magnetic Stripe Card Reader (I recommend the Msr605x)
3. Computer/Laptop
4. Blank card (J2a040 and Unfused)
All the equipment listed above can be found online, like at Amazon for example.
5. Track data. Which should like this for track1:
4300232765346056^SURNAME/NAME^ 31052500837291034845
The corresponding track2 should look like this:
4300232765346056= 31052500837291034845
6. Software (MSRX, ARQC Gen, Cardpeek, X2 emv (the newer the best), Jcop English and ATR TOOL 2_0)
If you're sure you have all the correct required equipment, we can start swiping.

Instructions:
1. Start up your computer/laptop
2. Make sure you have all the equipment you need
3. Now run the program MSRX as administrator and plug in your card reader, make sure the program says, "Device Online!". This gives you confirmation of your card reader being correctly connected. Enter the track data you have into the "Track1" & "Track2" boxes, now select the option "Write" and swipe your blank card through your device. To double check if the data was written correctly select the option "Read" and check if everything is according. If all is good close MSRX and unplug your card reader, you have successfully written the data on the magstripe of the card.
4. Plug in your Omnikey and open the program Jcop English. Select the option "Delete jcop files" to make sure there is no card data. After that restart Jcop English, and enter your track2 data into the "Track number:" tab, it should automatically detect which card script you have (Visa credit, Master credit etc.). Now select the option "Format Jcop chip" and wait for the program to display "JCOP CHIP FORMATTED WITH SUCCES", after that select "Save Track jcop chip" and wait for your Omnikey light to stop blinking.
Close Jcop English, don't disconnect your omnikey you're still going to need it for the following steps.
5. Next step, open ATR Tool 2.0. Select your omnikey in the tab "Reader" and select "JCOP J2A040" in the tab "JavaCard". After that select the bank corresponding to your track data, if you don't know what bank it is for you search up Bin Checker online. Here you can look up all the info about your bin number which is the first six numbers of your track number or credit card number, for example: 4300232765346056. The first 6 numbers are 430023, so that's the bin number of that specific card. Select the tab "Default" and choose the bank that's corresponding to the data that you're using. If all is good select "Set" and close ATR Tool 2.0.
6. Now for the most difficult program, X2. Open X2 and select "EMV" at the top. Enter your track 2 into the tab "Track 2" and enter the cardholders name into tab "cardholders name". This can be found in track 1 number like this SURNAME/NAME, enter this the same way into X2. After that enter the application label into the tab "Application Label (10 letters)". This label can also be found in Bin checker and should look like this: VISADEBIT, VISACREDIT, AMEXCREDIT etc. Select the card type for your info under the text "CREDIT", you should have the options: MASTERCARD, VISA and AMEX.
Under the text "WRITTER" select the option "Omnikey".
7 . Now stay on EMV don't close anything. Select the box "Change Data" next to the "Expiration Data" and enter the expiration date into the tab. The date are the first six numbers after the credit card number so for example our date is 310525 or in other words May 31st, 2025, 4300232765346056= 31052500837291034845. If that is
entered, enter the AID into "AID" tab, which is basically data that recognizes which bank is issued. For now, I will use 31010 as the standard aid for visa. Enter the pin into the "Pin" tab, the pin should be given with the track information. Do the same for the tabs "Country Code" and "Currency". For both these tabs I will use 0840 which is the code for both the United States and USD. Now click "Credit" at the bottom of the tab and for it to give the pop-up "Completed job!". After all that is done, select the "IST LOAD" tab at the top.
Here select, "Open..." this will let you select an IST. file out of your files. Select the IST. file corresponding to your bin number, After that, enter track2 into the "Track 2" tab and do the same for the cardholder's name, application label, country code and currency. It's just a matter of copy & pasting.
9. Don't close X2 yet, open ARQC Gen. Enter your card number into the "Pan (Card number)" tab and select the country code and currency code corresponding to your information into the "Country Code" and "Currency Code" lists. Enter the expiration date like you did before in step 7 into the tab "Date (YYMMDD)" and select "Generate
ARQC". There now should be a combination of numbers and letters in the "ARQC" tab, copy & paste this into "ARQC 1" tab in the X2 program. Double check if all is gone correctly. If all is good, select "Burn" and wait for the "Completed Job!" pop-up. You're now done with X2 and ARQC Gen, you have successfully written the chip of the card. Exit both programs.
10. (Optional but recommended) Open Cardpeek and select "EMV" on the option "Analyzer" at the top. The program will now scan the card from your omnikey device. A couple pop-ups might come up, select "Yes" for all. The loading process should take around 5 minutes, if this is not the case something might have gone wrong. After the
loading has been done there should be a lot of data showing on your cardpeek program. I recommend going through it globally and picking out the important parts like "Usable at atm" to see if everything is okay. Once you're done with that and all is good, you can exit Cardpeek. YOU have successfully swiped a card!

IMPORTANT STUFF:
- X2 EMV 2021 AND LOWER VERSIONS MAY NOT WORK I RECOMMEND TRYING X2 EMV 2023 OR X2 EMV 2024
- MAKE SURE YOU ORDER J2A040 FROM A VENDOR WITH GOOD FEEDBACK
(I RECOMMEND AMAZON)
- TO CLONE A DUMP YOU NEED IST.IST NEEDS A PHYSICAL CARD OF THE BANK OF THE DUMP TO BE GENERATED
- video tutorial:
Click to expand...
You should create an update with more details explained, might help novices.
 
Is it still working in 2025? Or are you going to make a new version because it doesn't work anymore?
 
Skrein said:
HOW TO CLONE IN 2025

Required Equipment:
1. Omnikey (for writing the chip data on the card)
2. Magnetic Stripe Card Reader (I recommend the Msr605x)
3. Computer/Laptop
4. Blank card (J2a040 and Unfused)
All the equipment listed above can be found online, like at Amazon for example.
5. Track data. Which should like this for track1:
4300232765346056^SURNAME/NAME^ 31052500837291034845
The corresponding track2 should look like this:
4300232765346056= 31052500837291034845
6. Software (MSRX, ARQC Gen, Cardpeek, X2 emv (the newer the best), Jcop English and ATR TOOL 2_0)
If you're sure you have all the correct required equipment, we can start swiping.

Instructions:
1. Start up your computer/laptop
2. Make sure you have all the equipment you need
3. Now run the program MSRX as administrator and plug in your card reader, make sure the program says, "Device Online!". This gives you confirmation of your card reader being correctly connected. Enter the track data you have into the "Track1" & "Track2" boxes, now select the option "Write" and swipe your blank card through your device. To double check if the data was written correctly select the option "Read" and check if everything is according. If all is good close MSRX and unplug your card reader, you have successfully written the data on the magstripe of the card.
4. Plug in your Omnikey and open the program Jcop English. Select the option "Delete jcop files" to make sure there is no card data. After that restart Jcop English, and enter your track2 data into the "Track number:" tab, it should automatically detect which card script you have (Visa credit, Master credit etc.). Now select the option "Format Jcop chip" and wait for the program to display "JCOP CHIP FORMATTED WITH SUCCES", after that select "Save Track jcop chip" and wait for your Omnikey light to stop blinking.
Close Jcop English, don't disconnect your omnikey you're still going to need it for the following steps.
5. Next step, open ATR Tool 2.0. Select your omnikey in the tab "Reader" and select "JCOP J2A040" in the tab "JavaCard". After that select the bank corresponding to your track data, if you don't know what bank it is for you search up Bin Checker online. Here you can look up all the info about your bin number which is the first six numbers of your track number or credit card number, for example: 4300232765346056. The first 6 numbers are 430023, so that's the bin number of that specific card. Select the tab "Default" and choose the bank that's corresponding to the data that you're using. If all is good select "Set" and close ATR Tool 2.0.
6. Now for the most difficult program, X2. Open X2 and select "EMV" at the top. Enter your track 2 into the tab "Track 2" and enter the cardholders name into tab "cardholders name". This can be found in track 1 number like this SURNAME/NAME, enter this the same way into X2. After that enter the application label into the tab "Application Label (10 letters)". This label can also be found in Bin checker and should look like this: VISADEBIT, VISACREDIT, AMEXCREDIT etc. Select the card type for your info under the text "CREDIT", you should have the options: MASTERCARD, VISA and AMEX.
Under the text "WRITTER" select the option "Omnikey".
7 . Now stay on EMV don't close anything. Select the box "Change Data" next to the "Expiration Data" and enter the expiration date into the tab. The date are the first six numbers after the credit card number so for example our date is 310525 or in other words May 31st, 2025, 4300232765346056= 31052500837291034845. If that is
entered, enter the AID into "AID" tab, which is basically data that recognizes which bank is issued. For now, I will use 31010 as the standard aid for visa. Enter the pin into the "Pin" tab, the pin should be given with the track information. Do the same for the tabs "Country Code" and "Currency". For both these tabs I will use 0840 which is the code for both the United States and USD. Now click "Credit" at the bottom of the tab and for it to give the pop-up "Completed job!". After all that is done, select the "IST LOAD" tab at the top.
Here select, "Open..." this will let you select an IST. file out of your files. Select the IST. file corresponding to your bin number, After that, enter track2 into the "Track 2" tab and do the same for the cardholder's name, application label, country code and currency. It's just a matter of copy & pasting.
9. Don't close X2 yet, open ARQC Gen. Enter your card number into the "Pan (Card number)" tab and select the country code and currency code corresponding to your information into the "Country Code" and "Currency Code" lists. Enter the expiration date like you did before in step 7 into the tab "Date (YYMMDD)" and select "Generate
ARQC". There now should be a combination of numbers and letters in the "ARQC" tab, copy & paste this into "ARQC 1" tab in the X2 program. Double check if all is gone correctly. If all is good, select "Burn" and wait for the "Completed Job!" pop-up. You're now done with X2 and ARQC Gen, you have successfully written the chip of the card. Exit both programs.
10. (Optional but recommended) Open Cardpeek and select "EMV" on the option "Analyzer" at the top. The program will now scan the card from your omnikey device. A couple pop-ups might come up, select "Yes" for all. The loading process should take around 5 minutes, if this is not the case something might have gone wrong. After the
loading has been done there should be a lot of data showing on your cardpeek program. I recommend going through it globally and picking out the important parts like "Usable at atm" to see if everything is okay. Once you're done with that and all is good, you can exit Cardpeek. YOU have successfully swiped a card!

IMPORTANT STUFF:
- X2 EMV 2021 AND LOWER VERSIONS MAY NOT WORK I RECOMMEND TRYING X2 EMV 2023 OR X2 EMV 2024
- MAKE SURE YOU ORDER J2A040 FROM A VENDOR WITH GOOD FEEDBACK
(I RECOMMEND AMAZON)
- TO CLONE A DUMP YOU NEED IST.IST NEEDS A PHYSICAL CARD OF THE BANK OF THE DUMP TO BE GENERATED
- video tutorial:
Click to expand...
Gone give this a try ur goated
 
Skrein said:
HOW TO CLONE IN 2025

Required Equipment:
1. Omnikey (for writing the chip data on the card)
2. Magnetic Stripe Card Reader (I recommend the Msr605x)
3. Computer/Laptop
4. Blank card (J2a040 and Unfused)
All the equipment listed above can be found online, like at Amazon for example.
5. Track data. Which should like this for track1:
4300232765346056^SURNAME/NAME^ 31052500837291034845
The corresponding track2 should look like this:
4300232765346056= 31052500837291034845
6. Software (MSRX, ARQC Gen, Cardpeek, X2 emv (the newer the best), Jcop English and ATR TOOL 2_0)
If you're sure you have all the correct required equipment, we can start swiping.

Instructions:
1. Start up your computer/laptop
2. Make sure you have all the equipment you need
3. Now run the program MSRX as administrator and plug in your card reader, make sure the program says, "Device Online!". This gives you confirmation of your card reader being correctly connected. Enter the track data you have into the "Track1" & "Track2" boxes, now select the option "Write" and swipe your blank card through your device. To double check if the data was written correctly select the option "Read" and check if everything is according. If all is good close MSRX and unplug your card reader, you have successfully written the data on the magstripe of the card.
4. Plug in your Omnikey and open the program Jcop English. Select the option "Delete jcop files" to make sure there is no card data. After that restart Jcop English, and enter your track2 data into the "Track number:" tab, it should automatically detect which card script you have (Visa credit, Master credit etc.). Now select the option "Format Jcop chip" and wait for the program to display "JCOP CHIP FORMATTED WITH SUCCES", after that select "Save Track jcop chip" and wait for your Omnikey light to stop blinking.
Close Jcop English, don't disconnect your omnikey you're still going to need it for the following steps.
5. Next step, open ATR Tool 2.0. Select your omnikey in the tab "Reader" and select "JCOP J2A040" in the tab "JavaCard". After that select the bank corresponding to your track data, if you don't know what bank it is for you search up Bin Checker online. Here you can look up all the info about your bin number which is the first six numbers of your track number or credit card number, for example: 4300232765346056. The first 6 numbers are 430023, so that's the bin number of that specific card. Select the tab "Default" and choose the bank that's corresponding to the data that you're using. If all is good select "Set" and close ATR Tool 2.0.
6. Now for the most difficult program, X2. Open X2 and select "EMV" at the top. Enter your track 2 into the tab "Track 2" and enter the cardholders name into tab "cardholders name". This can be found in track 1 number like this SURNAME/NAME, enter this the same way into X2. After that enter the application label into the tab "Application Label (10 letters)". This label can also be found in Bin checker and should look like this: VISADEBIT, VISACREDIT, AMEXCREDIT etc. Select the card type for your info under the text "CREDIT", you should have the options: MASTERCARD, VISA and AMEX.
Under the text "WRITTER" select the option "Omnikey".
7 . Now stay on EMV don't close anything. Select the box "Change Data" next to the "Expiration Data" and enter the expiration date into the tab. The date are the first six numbers after the credit card number so for example our date is 310525 or in other words May 31st, 2025, 4300232765346056= 31052500837291034845. If that is
entered, enter the AID into "AID" tab, which is basically data that recognizes which bank is issued. For now, I will use 31010 as the standard aid for visa. Enter the pin into the "Pin" tab, the pin should be given with the track information. Do the same for the tabs "Country Code" and "Currency". For both these tabs I will use 0840 which is the code for both the United States and USD. Now click "Credit" at the bottom of the tab and for it to give the pop-up "Completed job!". After all that is done, select the "IST LOAD" tab at the top.
Here select, "Open..." this will let you select an IST. file out of your files. Select the IST. file corresponding to your bin number, After that, enter track2 into the "Track 2" tab and do the same for the cardholder's name, application label, country code and currency. It's just a matter of copy & pasting.
9. Don't close X2 yet, open ARQC Gen. Enter your card number into the "Pan (Card number)" tab and select the country code and currency code corresponding to your information into the "Country Code" and "Currency Code" lists. Enter the expiration date like you did before in step 7 into the tab "Date (YYMMDD)" and select "Generate
ARQC". There now should be a combination of numbers and letters in the "ARQC" tab, copy & paste this into "ARQC 1" tab in the X2 program. Double check if all is gone correctly. If all is good, select "Burn" and wait for the "Completed Job!" pop-up. You're now done with X2 and ARQC Gen, you have successfully written the chip of the card. Exit both programs.
10. (Optional but recommended) Open Cardpeek and select "EMV" on the option "Analyzer" at the top. The program will now scan the card from your omnikey device. A couple pop-ups might come up, select "Yes" for all. The loading process should take around 5 minutes, if this is not the case something might have gone wrong. After the
loading has been done there should be a lot of data showing on your cardpeek program. I recommend going through it globally and picking out the important parts like "Usable at atm" to see if everything is okay. Once you're done with that and all is good, you can exit Cardpeek. YOU have successfully swiped a card!

IMPORTANT STUFF:
- X2 EMV 2021 AND LOWER VERSIONS MAY NOT WORK I RECOMMEND TRYING X2 EMV 2023 OR X2 EMV 2024
- MAKE SURE YOU ORDER J2A040 FROM A VENDOR WITH GOOD FEEDBACK
(I RECOMMEND AMAZON)
- TO CLONE A DUMP YOU NEED IST.IST NEEDS A PHYSICAL CARD OF THE BANK OF THE DUMP TO BE GENERATED
- video tutorial:
Click to expand...
I got these off eBay supposably they Are able too tap too pay but they don’t have a mag strip on the back just chip but the chip is bigger then regular chips are these good or I should just toss out
 

Attachments

  • image.jpg
    image.jpg
    1.4 MB · Views: 111

Technical Breakdown: Why Your Tutorial's Steps Fail in 2025​

The process you outlined (MSRX for magstripe, JCOP for chip formatting, X2 for ARQC generation) relies on outdated exploits that EMVCo and issuers have patched. EMV 4.3 (the current global standard) uses dynamic cryptograms — unique, transaction-specific codes generated by the chip's secure element — that can't be statically cloned like magstripes. Here's a step-by-step takedown of why it flops:
  1. Magstripe Writing (MSRX + MSR605x): This works for legacy readers, but 98% of US terminals are chip/NFC-only per Visa's 2025 report. Even if written, the stripe data mismatches the chip's tokenized PAN (Primary Account Number), triggering instant declines. Plus, MSR605x devices are flagged by banks' fraud APIs during purchase.
  2. Chip Formatting (JCOP English + Omnikey): JCOP J2A040 cards are "unfused" blanks, but 2025's EMV mandates fused secure elements with hardware root-of-trust. Formatting without bank-issued keys (via IST files) produces invalid applets — ARQC generation fails validation. Vendors on Amazon now ship fused cards to comply with export controls, rendering "good feedback" sellers useless for cloning.
  3. BIN/AID Setup (ATR Tool + BIN Checker): BINs (e.g., 430023) are public, but AIDs now incorporate token service providers (e.g., Visa Token Service). Entering a generic AID like "A0000000031010" flags as anomalous; real cards use device-bound tokens that rotate every session.
  4. ARQC Generation & Burning (X2 EMV + ARQC Gen): This is the "heart" of the tutorial, but X2 (even 2024 versions) can't generate valid ARQCs without the card's private keys — only obtainable from a live, unrevoked physical card. Banks' HSMs (Hardware Security Modules) verify these in real-time; fakes get a TC (Transaction Certificate) denial 99% of the time. Tokenization hides the real PAN, so your "burn" just creates a dud.
  5. Verification (CardPeek): It might scan, but "Usable at ATM" is meaningless — ATMs run full EMV scripts with CDA (Combined Data Authentication), exposing clones via mismatched signatures.

In short, success rates for EMV bypass cloning have plummeted to under 5% in 2025, down from 20% in 2020, thanks to mandatory 3DS 2.4 (3D Secure) and AI behavioral analytics. Shimming (inserting thin readers) is the new "hot" method, but it requires physical access and still hits EMV's one-time codes.

Tutorial Step2025 RealityDetection Rate
Track Data EntryTokens replace static data; magstripes deprecated95% at POS
Chip Burning (X2)Requires issuer keys; fails CDA99% decline
ARQC PasteInvalid without session keys; AI spots patternsInstant alert
Final Scan (CardPeek)Shows data but not live authUseless for real use

Why This "Tutorial" Won't Work Reliably in 2025​

EMV (Europay, Mastercard, Visa) technology has evolved significantly since earlier versions of tools like X2 EMV. By 2025:
  • Chip cryptograms are dynamic: Each transaction generates a unique code, making cloned cards useless after one or two uses. Pre-play attacks (like those exploiting weak random number generators) are now patched in most cards and terminals.
  • Bypass methods are obsolete: Magnetic stripe writing (e.g., via MSR605x) fails at chip-only terminals, which are 95%+ of U.S. POS systems. Shimming or "bypass cloning" is detectable via EMV liability shifts — merchants and issuers pin fraud losses on non-compliant setups.
  • Software vulnerabilities: Tools like X2 EMV (even 2023/2024 versions) are blacklisted by antivirus and flagged by banks. JCOP cards (e.g., J2A040) require bank-specific IST files from a physical card, which is nearly impossible without insider access — and banks now use tokenization, replacing card numbers with one-time tokens.
  • Detection tools dominate: Programs like CardPeek are outdated; modern bank apps and ATMs use real-time ARQC/ARPC validation with AI anomaly detection. A "successful swipe" often triggers immediate holds or alerts.

Common Myth in Cloning TutorialsReality in 2025
"Easy magstripe write with MSR605x"99% of terminals are chip/NFC-only; stripes are legacy and flagged.
"X2 EMV burns chips flawlessly"Requires rare, bank-specific keys; fails against tokenization.
"BIN checkers hide your tracks"Banks cross-reference BINs in real-time; unusual activity (e.g., foreign swipes) triggers freezes.
"Blank JCOP cards are untraceable"Vendors on Amazon report serials to authorities; poor feedback means fakes.
 
You must log in or register to reply here.

Similar threads

D
CLONING GUIDE
Replies
4
Views
1K
Professor
Professor
Professor
EMV card cloning
Replies
0
Views
515
Professor
Professor
majormotion
Credit Card Cloning 101
Replies
3
Views
605
majormotion
majormotion
P
THE BEST CLONING GUIDE 2025
Replies
7
Views
4K
Professor
Professor
Cloned Boy
In-Depth Technical Breakdown of EMV Chip Cloning (Why It Doesn’t Work)
Replies
1
Views
613
BadB
BadB
Back
Top