Field 35: Track 2

Format: LLVARans..37

Description: There are two track 2 data formats, ANSI X4.16 and ISO Standard 7813.

ANSI Standard Track 2 Data

The table below shows the ANSI X4.16 Track 2 layout:

Field Name

Length

Value

Start Sentinel

1

;

Card Number

up to 19

0 – 9

Field Separator

1

=

Expiration Date

4

YYMM

Effective Date

4

YYMM

Security Code

5

Authentication Code

End Sentinel

1

?

LRC Character

1

LRC Character

Note: The stop and start sentinels, and LRC are not sent with the Track 2 contents.

ISO 7813 Standard Track 2 Data

The table below shows the ISO 7813 Track 2 layout:

Field Name

Length

Value

Start Sentinel

1

;

Card Number

up to 19

0 – 9

Field Separator

1

=

Expiration Date

4

YYMM

Interchange Designator

1

Value

Description

1

Available for international interchange

2

Alternative technology (e.g. ICC) available on card

5

Available for interchange only in country of issue

7

Not available for general interchange

9

System test card

Service Code

2

Value

Description

01

No restrictions

02

No ATM service

03

ATM service only

10

No cash advance

11

No cash advance or ATM service

20

Requires positive authorisation by issuer or issuer's agent

Effective Date

4

YYMM

Security Code

5

Authentication Code

Zeros

3

000

Language Code

2

Undetermined

End Sentinel

1

?

LRC Character

1

LRC Character

Note: The stop and start sentinels and LRC are not sent with the Track 2 contents.

ICC Track 2 Equivalent Data

ICC cards can optionally contain a data element (Track 2 Equivalent Data) within the chip. This data element is identified as Tag 57 defined both by the EMV and American Express ICC Payment Specifications. It contains an image of the Track 2 Data present on the magnetic stripe of the card. See the tables above for a definition.

Note: That the start and end sentinels, and LRC that are present on the magnetic stripe are not present in the Track 2 Equivalent Data.