Advanced Search

Attention 💳 EMV Card Cloning Myths.

Fixxx

Fixxx

Moderator
Judge
Elite
Ultimate
Legend
Joined
31.10.19
Messages
1,178
Reaction score
3,199
Points
113
1760836293935.png

There are a lot of Scammers in the DUMPS Section, so I decided to post this FAQ:
​
- Can a EMV Software be used to clone or duplicate cards?​

The EMV standard regarding Signed-SDA, DDA and CDA have never been broken. There are few reasons:
  • EMV softwares cannot write accurately card data that varies on every transaction or upon "read". Such data include ARQC, DDOL, CDA and other dynamic EMV data.
  • EMV softwares cannot write accurately card data for data, that varies upon every transaction. For example - DDA data, which changes or varies and cannot be static!
Thus, a "cloned" card will never be accepted as anti-fraud systems will detect the DDA, CDA data is static and marked as invalid.

- How are all these videos using blank cards and withdrawing from ATMs and places?​

The people doing this, are:
  • Remove the chip of an actual working EMV card and put the chip on white plastic card.
  • Just remove the paint lamination on a working card and then use that card on an ATM.
- Suppose example, EMV Software 'X' saves data from one credit card, to another live credit card, is that possible?​

No. That is not possible. All live credit-card systems have anti-tamper systems.
A request to write data will be ACCESS_DENIED and result in CARD_LOCKED.

- Can EMV Software 'X' be used to code data from "dumps"?​

That is not possible.
  • The EMV Standard encodes more data required, such as ICC (a 1400+ bit RSA key) and IPK (another 1400+ bit RSA Key) which cannot be easily duplicated.
  • As above, the EMV standard DDA and CDA has never been broken!
- If someone clones a card and brings it to a store, would it work?​

It would not work. The person would be stopped as the card doesn't work. As explained earlier the main feature that prevents fraudulent attacks is the use of dynamic data for each transaction, so that even if the card data is stolen or intercepted during a transaction, nothing can be done with it. All dynamic card data can only be used for one individual transaction, and after that, it's useless.

- Is there a version of Software that works to modify dynamic data in-chip?​

No such version of software exists at all. You can't predict the dynamic data: EMV Algorithms have never been hacked nor broken!

- Someone told me I need to buy 'X2 2025', it work!​

It will not work. Basically x1 is dead in late 2015 and all the newest versions "x2" are just reshacked versions where scammers just change pictures and placement of controls (buttons, texts, etc). Their mistakes are obvious as the pdb pathway and compilation timestamp are always the same. It mean they don't even recompile from source, just same old 'X1' file in a new outfit. Sometime they even do more mistakes like leaving: "Modified by an unpaid evaluation copy of Resource Tuner 2" in file informations.

- Hey bro let's make some bread, what's your tg?​

LMAO.

To view the content, you need to Sign In or Register.
 
MailPass

MailPass

Active Carder
Joined
11.02.25
Messages
30
Reaction score
10
Points
8
I recently found a guide on another forum, is it also outdated?

What’s Needed to Create a Clone Card?

Creating a clone card requires specialized tools and software, many of which are accessible online through platforms like Amazon, AliExpress, or eBay. The key components include:
• Software Suite: Tools like JcopEnglish, ARQC_GEN, BP-Tools Crypto Calculator, and Cardpeek are used to program and analyze cards.
• Magnetic Stripe Reader/Writer (MSR): A device to read and write data onto a card’s magnetic stripe.
• Smart Card Readers (e.g., Omnikey 3021 or 3121): Used to interact with the card’s chip.
• ATR Tool: Initializes the card’s Answer to Reset (ATR), a unique identifier for the card type.
• Blank Java Cards: These programmable cards, costing $5–$20 each, serve as the base for the clone. Software like JCOP Manager verifies their status (fused or unfused).

The Step-by-Step Process of Cloning a Card

The process of creating a clone card involves replicating the data from a legitimate card (often stolen or purchased illegally, known as a “dump”) onto a blank card. Here’s how it works:

1. Erase and Format the Blank Card
Using software like JcopEnglish, the blank card is wiped clean and formatted to prepare it for new data. A success message confirms the card is ready.

2. Set the Card’s Identifier (ATR)
An ATR Tool configures the card’s ATR to match the type of card being cloned (e.g., VISA or Mastercard). This ensures the card appears legitimate to payment systems.

3. Verify the Card’s Identity
Using Cardpeek, the card’s ATR is checked to confirm it matches the intended card type. The card should display bank details, not appear as a blank “Java Card.”

4. Write Magnetic Stripe Data
Track 1 and Track 2 data (containing card number, expiration date, and other details) are written to the card’s magnetic stripe using an MSR device. Online tools like the Omerta Generator may be used to create Track 1 data from Track 2.

5. Configure Chip (EMV) Data
For cards with chips (EMV), software like X2.5 is used to input critical details, including:
• Card number (PAN)
• Application Identifier (AID)
• PIN, currency, country code, and cardholder name
• Discretionary data and application label The card’s preferred name and expiration date are also updated.

6. Generate Authentication Codes (ARQC)
Dynamic codes called ARQCs (Authorization Request Cryptograms) are generated using tools like ARQC_GEN or BP-Tools Crypto Calculator. These codes mimic the security checks performed during transactions, making the card appear legitimate.

7. Load and Finalize Data
The EMV data and ARQC codes are loaded onto the card using an IST file (specific to the card’s type). The data is then “burned” onto the card, making it ready for use at ATMs or point-of-sale (POS) terminals.
Why Clone Cards Fail
Even with the right tools, cloning attempts can fail due to:
• Invalid Data: Using fake, used, or empty “dumps” (stolen card data) leads to non-functional cards.
• Outdated Information: If the original cardholder uses their card after the data is stolen, the dump may become invalid.
• Mismatched Configurations: The ATR and IST file must match the card type exactly, or the clone won’t work.
 
P

Punka421

Carding Novice
Joined
18.08.22
Messages
7
Reaction score
4
Points
3
Fixxx said:
View attachment 58489

There are a lot of Scammers in the DUMPS Section, so I decided to post this FAQ:
​
- Can a EMV Software be used to clone or duplicate cards?​

The EMV standard regarding Signed-SDA, DDA and CDA have never been broken. There are few reasons:
  • EMV softwares cannot write accurately card data that varies on every transaction or upon "read". Such data include ARQC, DDOL, CDA and other dynamic EMV data.
  • EMV softwares cannot write accurately card data for data, that varies upon every transaction. For example - DDA data, which changes or varies and cannot be static!
Thus, a "cloned" card will never be accepted as anti-fraud systems will detect the DDA, CDA data is static and marked as invalid.

- How are all these videos using blank cards and withdrawing from ATMs and places?​

The people doing this, are:
  • Remove the chip of an actual working EMV card and put the chip on white plastic card.
  • Just remove the paint lamination on a working card and then use that card on an ATM.
- Suppose example, EMV Software 'X' saves data from one credit card, to another live credit card, is that possible?​

No. That is not possible. All live credit-card systems have anti-tamper systems.
A request to write data will be ACCESS_DENIED and result in CARD_LOCKED.

- Can EMV Software 'X' be used to code data from "dumps"?​

That is not possible.
  • The EMV Standard encodes more data required, such as ICC (a 1400+ bit RSA key) and IPK (another 1400+ bit RSA Key) which cannot be easily duplicated.
  • As above, the EMV standard DDA and CDA has never been broken!
- If someone clones a card and brings it to a store, would it work?​

It would not work. The person would be stopped as the card doesn't work. As explained earlier the main feature that prevents fraudulent attacks is the use of dynamic data for each transaction, so that even if the card data is stolen or intercepted during a transaction, nothing can be done with it. All dynamic card data can only be used for one individual transaction, and after that, it's useless.

- Is there a version of Software that works to modify dynamic data in-chip?​

No such version of software exists at all. You can't predict the dynamic data: EMV Algorithms have never been hacked nor broken!

- Someone told me I need to buy 'X2 2025', it work!​

It will not work. Basically x1 is dead in late 2015 and all the newest versions "x2" are just reshacked versions where scammers just change pictures and placement of controls (buttons, texts, etc). Their mistakes are obvious as the pdb pathway and compilation timestamp are always the same. It mean they don't even recompile from source, just same old 'X1' file in a new outfit. Sometime they even do more mistakes like leaving: "Modified by an unpaid evaluation copy of Resource Tuner 2" in file informations.

- Hey bro let's make some bread, what's your tg?​

LMAO.

*** Hidden text: cannot be quoted. ***
Click to expand...
I love how people still sell EMV Clones. However you should do a thread on Proxmark. And how if you’re close enough you can take there card and use it to make a purchase.
 
  • Haha
Reactions: EMV
SOLMYR

SOLMYR

Solmyr Ibn Wali Barad
Premium
Joined
17.06.24
Messages
177
Reaction score
1,431
Points
93
MailPass said:
I recently found a guide on another forum, is it also outdated?

What’s Needed to Create a Clone Card?

Creating a clone card requires specialized tools and software, many of which are accessible online through platforms like Amazon, AliExpress, or eBay. The key components include:
• Software Suite: Tools like JcopEnglish, ARQC_GEN, BP-Tools Crypto Calculator, and Cardpeek are used to program and analyze cards.
• Magnetic Stripe Reader/Writer (MSR): A device to read and write data onto a card’s magnetic stripe.
• Smart Card Readers (e.g., Omnikey 3021 or 3121): Used to interact with the card’s chip.
• ATR Tool: Initializes the card’s Answer to Reset (ATR), a unique identifier for the card type.
• Blank Java Cards: These programmable cards, costing $5–$20 each, serve as the base for the clone. Software like JCOP Manager verifies their status (fused or unfused).

The Step-by-Step Process of Cloning a Card

The process of creating a clone card involves replicating the data from a legitimate card (often stolen or purchased illegally, known as a “dump”) onto a blank card. Here’s how it works:

1. Erase and Format the Blank Card
Using software like JcopEnglish, the blank card is wiped clean and formatted to prepare it for new data. A success message confirms the card is ready.

2. Set the Card’s Identifier (ATR)
An ATR Tool configures the card’s ATR to match the type of card being cloned (e.g., VISA or Mastercard). This ensures the card appears legitimate to payment systems.

3. Verify the Card’s Identity
Using Cardpeek, the card’s ATR is checked to confirm it matches the intended card type. The card should display bank details, not appear as a blank “Java Card.”

4. Write Magnetic Stripe Data
Track 1 and Track 2 data (containing card number, expiration date, and other details) are written to the card’s magnetic stripe using an MSR device. Online tools like the Omerta Generator may be used to create Track 1 data from Track 2.

5. Configure Chip (EMV) Data
For cards with chips (EMV), software like X2.5 is used to input critical details, including:
• Card number (PAN)
• Application Identifier (AID)
• PIN, currency, country code, and cardholder name
• Discretionary data and application label The card’s preferred name and expiration date are also updated.

6. Generate Authentication Codes (ARQC)
Dynamic codes called ARQCs (Authorization Request Cryptograms) are generated using tools like ARQC_GEN or BP-Tools Crypto Calculator. These codes mimic the security checks performed during transactions, making the card appear legitimate.

7. Load and Finalize Data
The EMV data and ARQC codes are loaded onto the card using an IST file (specific to the card’s type). The data is then “burned” onto the card, making it ready for use at ATMs or point-of-sale (POS) terminals.
Why Clone Cards Fail
Even with the right tools, cloning attempts can fail due to:
• Invalid Data: Using fake, used, or empty “dumps” (stolen card data) leads to non-functional cards.
• Outdated Information: If the original cardholder uses their card after the data is stolen, the dump may become invalid.
• Mismatched Configurations: The ATR and IST file must match the card type exactly, or the clone won’t work.
Click to expand...
As well as the whole topic.
Even z source is outdated!

EMV said:
Niga you better talk with your nigerian brothers @Hustling4real @ncondamove etc.
Click to expand...
WTF
 
EMV

EMV

Carding Novice
Joined
25.10.25
Messages
18
Reaction score
9
Points
3
SOLMYR said:
Definitely... Chipso / SmartEMV / other fake/outdated :poop:!
Click to expand...
I don't sell this bullshit. You'll never see such offers from me. Just wanted to # those who think they're the smartest (but in reality, potential scammers, middlemans and other suspicious nigerians)

wy211345 said:
If this guy really registered a new account on October 25th and immediately started hating me and another account that exposed the EMV scam, then it's clear that we only offended one scammer, a dumbass selling chipso/.
Click to expand...
The only thing you exposed was your own stupidity, when you "hunted" a known scammer (thanks to you, it became clear that even among those "fighters for justice" there can be clones and dumbass nigerians)

Hustling4real said:
this guy too @EMV he tagged me as his unfavorite guy because his shit is not working lol
Click to expand...
That's why I mentioned you in that thread, cause you also need to be monitored. I didn't mentioned N-condom-move there, cause he's just an angry nigerian middleman (who isn't even a verified seller here):

faultless said:
absolutely Nigerian middleman non cashier aka ncondamove
Click to expand...
 
W

wy211345

Elite
Joined
05.09.23
Messages
67
Reaction score
40
Points
18
EMV said:
I don't sell this bullshit. You'll never see such offers from me. Just wanted to # those who think they're the smartest (but in reality, potential scammers, middlemans and other suspicious nigerians)


The only thing you exposed was your own stupidity, when you "hunted" a known scammer (thanks to you, it became clear that even among those "fighters for justice" there can be clones and dumbass nigerians)


That's why I mentioned you in that thread, cause you also need to be monitored. I didn't mentioned N-condom-move there, cause he's just an angry nigerian middleman (who isn't even a verified seller here):
Click to expand...
lmao:ROFLMAO:
 
Hustling4real

Hustling4real

Supreme
Joined
16.08.24
Messages
178
Reaction score
69
Points
28
EMV said:
I don't sell this bullshit. You'll never see such offers from me. Just wanted to # those who think they're the smartest (but in reality, potential scammers, middlemans and other suspicious nigerians)


The only thing you exposed was your own stupidity, when you "hunted" a known scammer (thanks to you, it became clear that even among those "fighters for justice" there can be clones and dumbass nigerians)


That's why I mentioned you in that thread, cause you also need to be monitored. I didn't mentioned N-condom-move there, cause he's just an angry nigerian middleman (who isn't even a verified seller here):
Click to expand...
your name is EMV and we can see the chip pfp lol
 
You must log in or register to reply here.
Top Bottom