🧠 What Is a Dump (In Carding Terms)?

A “dump” is raw track data scraped from the magstripe of a credit/debit card—usually Track 1 and/or Track 2. This data is gold for cloning cards and swiping in-store. If you don’t understand the format, you’re dead on arrival.

• Track 1: Includes cardholder name + card number + expiration + CVV info (sometimes)
• Track 2: Just the essentials—PAN, exp date, service code, discretionary data

If your goal is to physically encode and swipe, Track 2 is king. But for full emulation, both tracks matter.

🧾 Anatomy of a Dump: Break It Down

Here’s the blueprint. A dump ain’t just random numbers—it’s got structure:

Track 1 Format

%B4111111111111111^DOE/JOHN^2512101000000000000000000000000?

Track 2 Format

;4111111111111111=25121010000000000000?

• %B → Track 1 Start
• 4111… → PAN (Card Number)
• DOE/JOHN → Cardholder Name (LAST/FIRST)
• ^2512 → Expiration Date (MMYY)
• = → Track 2 Separator
• 101 → Service Code

That’s your playground. Now let’s write your own.

🛠️ How to Write a Dump (Step-by-Step)

Step 1: Grab Clean BIN Info

Use a legit BIN (Bank Identification Number). Can’t stress this enough. BIN determines the format, country, and bank—if it don’t match, expect chargebacks or instant declines.

• Use BIN lookup tools (e.g., BinList, Bincodes API)
• Match country + type (Visa/Mastercard, debit/credit, etc.)

Step 2: Structure the Dump Manually

If you’re not pulling from a skimmer or EMV reader, you’ll write it manually. Stick to proper format:

Track 1: %B[PAN]^[SURNAME/FIRSTNAME]^[MMYY + Service Code + Filler]?
Track 2: ;[PAN]=[MMYY + Service Code + Filler]?

Example:

Track 1: %B4532752023456789^DOE/JOHN^26121200000000000000000?
Track 2: ;4532752023456789=26121200000000000000?

Don’t make up digits randomly—learn how to generate valid Luhn-check PANs or get them from a BIN generator with CCV match support.

Step 3: Encode That Dump

Once your dump is clean, burn it to a blank card using a MSR606/705 writer:

• Install your encoder software (like MSR206 Tools)
• Insert blank mag card
• Paste Track 1 and Track 2 dumps
• Write to magstripe → success beep means good

If you get encoding errors, your format’s busted. Go back, recheck spacing, special chars (^ ; = ?) and try again.

⚠️ Pro Dump Writing Tactics

Use Fresh Dumps Always

Recycled dumps are suicide. Use recent skimmed dumps or create yours from validated BINs and CCV combos.

Skip Track 1 If Needed

Most POS systems verify only Track 2. If encoding fails with Track 1, go with just Track 2 for quick hits.

Don’t Reuse Dumps

Once burned and swiped, dump becomes hot. Never clone it again—move on, or risk hard declines and camera footage.

Use Randomized Filler

That long line of zeros? Fill it with custom randomized digits to evade fraud detection algorithms.