Interpreting Tag 57 Data in a Visa EMV Transaction

Owned by Yan Mu
Last updated: Apr 20, 2023 by Hamdy Atakora (Unlicensed)Version comment

Tag 57 is the Track 2 Equivalent Data in the EMV transaction payload. Refer to the format definition of Tag 57 from the Visa CTLS specification to make out the rest of the values in Tag 57.

Below is the breakdown of the sample tag 57 value: 12 34 56 78 90 00 98 76 D2 41 02 01 00 00 03 20 00 00 1F.

  • 12 34 56 78 90 00 98 76 is the PAN
  • D is the field separator
  • 24 10 is the expiration date (YYMM)
  • 201 is the service code
  • 00 00 03 20 00 00 1 is the PIN verification data (if present) and the discretionary data
  • F is the padding to ensure the whole bytes


Different card brands have their own tags for the same data.