How to Write Track 1 and Track 2 Dumps with PIN – Full Guide 2026

[Blacksec]

TRACK 1 & TRACK 2 DUMPS – WRITING THE MAGNETIC STRIPE, EXPLAINED
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You've seen the sellers advertising "dumps with pin" and wondered what the tracks actually are. This guide breaks down Track 1 and Track 2 data, what it is, how it's written onto cards, and how the PIN part works. If you're new to the dumps game, this is the thread that makes everything else click.
What is a dump? The simple version
A credit or debit card has a magnetic stripe on the back, a thin black strip full of tiny magnetic particles. That stripe holds your card's data in two lines of encoded information called Track 1 and Track 2. A "dump" is a copy of that encoded data. Criminals steal it, write it onto a blank card, and the blank card now acts like the original. Think of it like copying a key. The stripe is the key's teeth, copy the pattern, and you have a working duplicate.
Track 1 vs Track 2, what's the difference?
Track 1
holds the human-friendly stuff:

• Cardholder name
• Account number (PAN)
• Expiration date
• Service code
• Extra data (country code, currency, etc.)

Format: it starts with %B, then the account number, then ^, then the name, then ^, then the expiry and service code.
Track 2
is the machine-friendly version, numbers only:

• Account number
• Expiration date
• Service code
• PIN verification data (in some cases)

Format: starts with a semicolon ;, then the account number, then =, then the expiry, service code, and optional data. Most ATM and payment terminals read Track 2 because it's simpler and faster. That's why dumps for ATM use are almost always Track 2.
Example formats (with fake data)

Track 1: %B4111111111111111^DOE/JOHN^250612345678901234567890? Track 2: ;4111111111111111=25061234567890123?

Reading it:

• 4111111111111111, the card number
• DOE/JOHN, cardholder name
• 2506, expiry (June 2025)
• 12345678901234567890, discretionary data (varies by bank)
• The ? at the end, end sentinel, tells the reader the data stops there

Service codes, the hidden important part
The service code is the 3 digits inside the track data that say what the card can do:

• 101 / 201, normal ATM + POS use. 201 also allows cash advances. These are what you want for ATM withdrawals.
• 999, test or invalid card. Sellers use this when they're lying about the dump.

If a "dumps with pin" seller gives you service code 999, walk away. It's a dead card or a scam.
The PIN, how it fits in
For ATM withdrawals you need more than the track data, you need the PIN. The PIN isn't stored on the stripe. It's stored as a PIN offset / verification value in the bank's system, and the ATM checks your entered PIN against the bank's copy. So "dumps with pin" means the seller includes the correct PIN along with the track data. How do they get it?

• Skimming devices with keypad overlays, capture the stripe AND the PIN at the same time. The classic.
• Infected PoS terminals, malware on the payment terminal records both.
• Bank insider leaks, card data sold with PIN from inside.
• Phishing + SIM, card data from phishing, PIN reset via phone access (advanced).

How dumps are written to cards
You need an MSR (magnetic stripe reader/writer):

1. Get blank cards with a magnetic stripe (white plastic cards work).
2. Plug the MSR writer into your computer, most are USB, with simple software included.
3. Load the dump data into the writer software, Track 1 in the Track 1 field, Track 2 in the Track 2 field.
4. Swipe the blank card through the writer. Done, the card now carries the dump.
5. Test it at an ATM or terminal you own, or with a reader that shows the data back.

Cheap MSR readers cost very little; professional ones with encoding options cost more. For the ATM game, the writer quality matters, bad encoding gets declined at the machine.
ATM use, what actually happens

1. You insert the written card into an ATM.
2. The ATM reads the track data, the card number and service code.
3. You enter the PIN.
4. The bank checks: does this card exist, is it valid, does the PIN match?
5. Approved? Cash comes out. Declined? Move fast, repeated declines get the card flagged.

That's why the PIN has to be correct. The data on the stripe proves the card exists; the PIN proves "it's yours". Wrong PIN on a good dump = dead card after a few tries. Card not present at the ATM = the whole operation fails.
Dumps with PIN vs carding online
Different tools, different game:

• Dumps with PIN → ATM cash. Needs hardware (writer), physical presence, and perfect PIN data.
• Carding online → the card number + CVV works at checkout. No stripe writing needed at all.

Most people start with online carding because it needs nothing physical. The dumps game is the advanced course, hardware, physical risk, but instant cash.
FAQ

• 
  Can I write a dump to any card?
  The magnetic stripe just stores data, any card with a stripe works, as long as the writer encodes it properly.
• 
  Do chip cards still have stripes?
  Yes, most do, that's the fallback that keeps this whole game alive.
• 
  How do I know a dump is good?
  Check the service code (avoid 999), check the expiry, and check the BIN against a live list. A good BIN from the non VBV list is the first filter.
• 
  Why do ATMs eat my card sometimes?
  The machine detected something wrong, bad encoding, dead card, or the bank flagged the number. Don't reinsert; leave and change location.

That's Track 1 and Track 2, decoded. The stripe is old tech, but old tech doesn't die, it just gets copied. Know how the data works, know what the service codes mean, and you'll never buy a bad dump again. BlackSec, where the dumps education starts.