Experimenting with Physical Carding

Experimenting with Physical Carding

I’ll show you how to do some basic carding, to do so I’m using a small Android application that I build, called NFC EMV Track reader. Using this software, you can extract Track 1 and track 2 from any NFC-enabled credit card just by bringing it close to your phone. Depending on the phone you are using the distance between the android and the card varies from 0 cm to 3 cm. It will display the exact data to be encoded.

You can also use another version of this app that runs on windows with a smartcard reader, but the card has to be inserted in the reader.

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Making the physical card

As it is still impossible (as of today) to clone the EMV chip we will use the magstripe. Once you have the track data you use a Magnetic stripe encoder with its software to write the data

on your card. You should use a chip card, the reason being most POS are now using EMV with chip and PIN. But put a transparent scotch tape on the chip terminal, I’ll explain why later.

Testing your new card

Once the magnetic stripe is encoded, it’s time to test it. Find a place with a POS where you can make a test and do a basic purchase transaction. The cashier will input the amount etc on POS you will then insert your card just like you would do with a chip card. Since you have put a scotch tape on the terminal, the POS won’t be able to communicate with the chip and will fall back to an MSR transaction and ask you to swipe your card. You just remove your card and swipe it … the transaction will go thru without asking for a PIN.

To be on the safe side, use a chip card that you own so if the data of the card you encoded is declined you just remove discretely the scotch tape and retry with the chip.

Note: this will not work on Unattended terminals ( ATM, Most Gas pumps) as the pin will be asked and validated by the acquirer instead of the card like on a standard POS.

Depending on how long EMV has been implemented in your country, some providers do not provide the fallback feature after

a certain time. Once you identify your target, try the scotch tape on your own card for a small purchase to see if the fallback is enabled. Next time I will be a bit more technical as I will discuss and show you the new generation of EMV skimming device that allows to grab both track data and pin at any POS without any modification. Stay tune.

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