EMV Chip Programming with MCR200 and Track Dumps: Complete Step-by-Step Guide

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A comprehensive technical guide to writing Track 1 and Track 2 dumps with PIN onto an EMV chip using the MCR200 hardware, EMV software, and proper digital signature authentication for successful ATM/POS transactions.

Introduction​

Bro, if you're reading this, you're ready to move beyond just magstripe cloning and into the world of EMV chip writing. The process of writing Track 1 and Track 2 dumps with a PIN onto a smart card requires specialized hardware (MCR200), custom EMV software, and a clear understanding of the workflow. This guide breaks down everything you need to know to successfully write and use an EMV card at ATMs and POS terminals.

Hardware & Software Requirements​

What You'll Need​

Item	Purpose	Where to Get
MCR200 Hardware	EMV card reader/writer with smart card IC support	Alibaba, AliExpress, Newegg
EMV SDK Software	Software to write dumps to EMV chip with digital signatures	Custom development or forum resources
JCOP / Java Cards	Blank smart cards with EMV-compatible chips	Alibaba, specialized vendors
Dump Data	Track 1 and Track 2 data with PIN	Purchased from vendors or obtained via skimming
PIN Code	The cardholder's PIN (required for ATM use)	Provided with the dump or known from card data

Critical Hardware Details​

The MCR200 supports:

• EMV IC card reading/writing (supports PBOC2.0, EMV IC cards)
• Manual swipe to read/write data in a single pass
• Up to triple tracks (Track 1, 2, and 3, 300-4000 Oe)
• Magnetic stripe in both ISO and IBM format
• RS232 serial interface with 12V DC power supply

CRITICAL NOTE: The MCR200 only supports EMV CPU IC cards, not memory IC cards. The software for reading/writing IC chip data is not included by default — it requires custom development or specialized software.

Understanding EMV Data Structure​

EMV Data Tags​

EMV data is transmitted in tag-length-value (TLV) format and includes chip card tags, terminal tags, and transaction detail tags.

Tag	Description	Sensitivity
56	Track 1 equivalent data	Sensitive — exclude from combinedTags
57	Track 2 equivalent data	Sensitive — exclude from combinedTags
5A	Application PAN (Primary Account Number)	Sensitive — exclude from combinedTags
5F20	Cardholder name	Sensitive — exclude from combinedTags
5F24	Application expiration date	Sensitive — exclude from combinedTags
99	Transaction PIN	Sensitive — exclude from combinedTags
9F1F	Track 1 discretionary data	Sensitive — exclude from combinedTags
9F20	Track 2 discretionary data	Required for contact EMV captures

Step-by-Step EMV Programming Process​

Step 1: Install and Launch EMV Software​

1. Run the EMV software as Administrator on your Windows computer.
2. Enter the license key when prompted. The key is usually provided with the software package.
3. Do not skip this step — the software won't function without a valid license.

Important Note: Most commercial EMV software like RB, X2 Matrix uses the same underlying code with different interfaces. The key differentiator is digital signature implementation — without it, the card will be rejected as counterfeit.

Step 2: Connect the Hardware​

1. Connect the MCR200 to your laptop via RS232 serial cable or USB (with proper drivers).
2. Connect the power adapter (12V DC, input 100-240V AC) to the MCR200.
3. In the software interface, select your hardware (MCR200).
4. Click "Connect" and verify the COM port connection.
5. Wait for the pop-up notification confirming successful connection.

Step 3: Configure Card Settings​

Setting	Selection	Notes
Card Format	Select appropriate format	Depends on your card type
Card Type	MasterCard, Visa, etc.	Select based on the dump you're writing
Card Holder Name	MR, MRS, or custom	Enter the cardholder name from your dump

Step 4: Key Generation​

This is the most important part of the process.

Generate ARQC (Application Request Cryptogram) Key:

1. Click "Generate ARQC" to create a unique cryptogram key.
2. This key authenticates the card during EMV transactions.

Generate Master Key:

1. Click "Generate Master Key" to create the master key.
2. This key is used for encryption/decryption of card data.

Example of generated keys:

Master Key: 565VF44S45S667G8H99H4
Second Key: B5G8D59Z85S666S88S4

ARQC-ARPC Bypass: The software may implement an ARQC-ARPC bypass algorithm, allowing you to use any PIN (even 0000) and still have the POS approve the transaction — which would demonstrate that EMV is not fully secure from cloning.

Step 5: Enable Key Options​

Option	Purpose
Generate New ICVV For Each Transaction	Ensures each transaction has a unique cryptogram
Accept EPI / MCI Credit / Debit	Enables credit/debit functionality
Accept ARPC Key	Accepts Authorization Response Cryptogram key
Store ARPC Key	Stores the key for future transactions
Use EMV TAG	Uses EMV tag formatting for transaction data
ICVV	Enables Integrated Circuit Card Verification Value

Step 6: Key Verification​

1. Click "Check ARQC Key" to verify the generated key.
2. Click "Check Master Key" to verify the master key.

Both checks should return successful confirmation before proceeding.

Step 7: Enter Card Data​

Expiration Date:

• Set the card expiration date.
• Only the month and year matter — the day is not important for EMV processing.

PIN Entry:

• If you have the cardholder's PIN, enter it here.
• For ATM use: PIN is mandatory.
• For POS use: PIN is not always required in the US, but helpful to have.

Step 8: Enter Track Data​

CRITICAL FORMAT REQUIREMENT:
Track 2 data MUST be formatted with the separator "D":

Format	Example
CORRECT	5218572210326679D160520127589300000
INCORRECT	5218572210326679=160520127589300000

Why? The software writes data to the EMV chip in HEX format. ATMs and POS terminals read track 2 data in this format. Using "D" ensures compatibility.

Track Format Required:

Track 1: 5218572210326679\Pre/PAy\160520127589300000
Track 2: 5218572210326679D160520127589300000

Step 9: Validate and Write​

1. Click "Valid Data" to check that your data is correctly formatted.
2. Review the pop-up window showing the data you're about to write.
3. Verify all information matches your dump.
4. Click "Burn Card" (or "Write Card").
5. Wait 30 seconds to 1 minute while the software writes the data to the EMV chip.

Step 10: Exit Properly​

VERY IMPORTANT:

1. Click "EXIT" to close the software.
2. Do NOT remove the card while the software is still open.
3. Only remove the card after the software has fully closed.

Step 11: Verify the Card​

1. Re-launch the software as Administrator.
2. Insert the card into the MCR200.
3. Click "Read Card" and wait 15-30 seconds.
4. The data will appear in the interface.
5. Verify that all data is correct before using the card.

Quick Reference Table​

Step	Action	Time
1	Install and run software	2 min
2	Connect MCR200	1 min
3	Configure card settings	2 min
4	Generate keys (ARQC & Master)	1 min
5	Enable key options	1 min
6	Verify keys	30 sec
7	Enter data (expiry, PIN, tracks)	2 min
8	Write card (Burn)	30-60 sec
9	Exit software	10 sec
10	Read and verify	15-30 sec

Frequently Asked Questions​

Where can I buy the MCR200 hardware?​

You can purchase the MCR200 on Alibaba, AliExpress, Newegg, or from specialized hardware vendors. Prices typically range from $200-$800 depending on the vendor and included software.

Does the MCR200 come with EMV software?​

No. The MCR200 comes with SDK/API only. The EMV chip reading/writing software requires custom development or specialized software not included with the hardware.

Why is EMV Digital Signature important?​

Scenario	Result
No digital signature	Transaction rejected — the system identifies the card as fake
Digital signature present	Transaction approved — the system recognizes the chip as genuine

The digital signature is what makes your card work. Without it, you're just writing data to a chip that no terminal will trust.

What card types does the software support?​

Compatible with:

• JCOP (Java Card)
• SLE4442, SLE5542, SLE4428, SLE5528
• FM4428
• ISO7816 compliant cards

Do I need a PIN?​

Use Case	PIN Required?
ATM Withdrawal	YES — PIN is mandatory
POS Purchase (USA)	Sometimes not required, but helpful
POS Purchase (Europe)	Usually required

Why isn't other commercial EMV software working?​

Most commercial EMV software (RB, X2 Matrix, etc.) uses the same underlying code with different interfaces. They DON'T implement the EMV digital signature properly — which is why their cards get rejected as counterfeit.

What EMV protocols can be programmed?​

Supported protocols include:

• 201, 206, 226, 221
• SDA (Static Data Authentication)
• DDA (Dynamic Data Authentication)
• SDK implementation

Troubleshooting Tips​

Problem	Likely Cause	Solution
No connection	MCR200 not properly connected	Reconnect RS232/USB, check COM port
Invalid license	License key not entered	Enter the key from the instruction notepad
ARQC/Key verification fails	Keys not generated correctly	Re-generate keys and verify again
Card not reading	Card not properly written	Erase data (Erase Data button) and try again
Data not saving	Card removed too early	Exit software before removing card
Card rejected at ATM	Missing digital signature	Ensure ARQC and Master Keys were generated properly
Track 2 format error	Using "=" instead of "D"	Correct format: Track2 D data

Final Conclusion​

Bro, writing Track 1 and Track 2 dumps with PIN onto an EMV chip is a multi-step process requiring the MCR200 hardware, custom EMV software, and proper digital signature authentication.

The Critical Success Factors:

1. MCR200 hardware supports both magnetic stripe and EMV chip
2. EMV software must implement digital signatures — this is what separates working cards from rejected ones
3. Format Track 2 with "D" instead of "=" — this is required for HEX format compatibility
4. Generate and verify both ARQC and Master Keys — these authenticate the card
5. ARQC-ARPC bypass algorithm allows PIN flexibility (even 0000)

The Golden Rule: The digital signature is what makes your card work. Without it, you're just writing data to a chip that no terminal will trust.

Good luck, brother. Follow these steps carefully, and your cards will work at ATMs and POS terminals.