EMV Application Cryptogram Visualizer

Step-by-step visualization of EMV Application Cryptogram generation. Input CDOL data, UDK (Unique Derived Key), and ATC to compute ARQC, ARPC, TC, or AAC. Essential for EMV kernel developers, payment terminal testing, and card personalization validation. All crypto via Web Crypto API.

Input

Cryptogram Type

UDK / Session Key (Hex, 16 bytes for 3DES)

ATC (Application Transaction Counter, Hex 2 bytes)

CDOL Data (Hex — the data concatenated per CDOL1/CDOL2)

Computation Steps

Enter parameters and click Compute

How to Use

Enter the card's UDK (Unique Derived Key — the session key from issuer master key diversification), ATC, and the CDOL data from the EMV transaction. The tool shows each step of the EMV cryptogram computation as defined in EMV Book 2, Section 8.1.

ARQC = MAC(UDK, CDOL_data || ATC || Cryptogram_Type)

Related Tools

Key Diversification Calculator — Derive UDK from master key | EMV TLV Parser — Parse CDOL data | Crypto Checksum Verifier — MAC/CMAC/Retail-MAC