The Open Payment Protocol Workbench
Client-side forensics for ISO 8583, EMV, and Cryptography. Decode. Debug. Deploy.
Auto-detection uses regex patterns to identify data types
> Join 500+ engineers getting fortnightly
deep-dives.
> No fluff. Just AI, future payment designs, and
tool updates.
ISO 8583 Studio
Parse raw hex messages into structured JSON. Visual bitmap display and field-by-field breakdown.
MTI • Bitmap • FieldsASN.1 Decoder
Parse BER/DER encoded hex data into a readable recursive tree. Supports X.509 certs & EMV keys.
ASN.1 • BER • DEREMV Tag Inspector
Decode Field 55 BER-TLV data. Recursive tree view with tag definitions and value parsing.
TLV • Field 55 • ICCValidators & Calculators
Luhn checksum validator for PANs. Hex-to-binary bitmap converter with field mapping.
Luhn • Bitmap • HexReference Database
Searchable database of Field 39 response codes, EMV tags, and MTI definitions.
Codes • Tags • MTITest Card Generator
Generate Luhn-valid test card numbers for Visa, Mastercard, Amex, and Discover.
Test PANs • Sandbox • DevKCV Calculator
Calculate Key Check Values for 3DES and AES cryptographic keys used in payment security.
3DES • AES • HSMARQC Calculator
Generate and verify ARQC/ARPC cryptograms for EMV card authentication and authorization.
ARQC • ARPC • EMVDES/3DES Calculator
Encrypt and decrypt data using Data Encryption Standard (DES) and Triple-DES (3DES) algorithms.
DES • 3DES • CryptoAES Calculator
Encrypt and decrypt data using Advanced Encryption Standard (AES) with up to 256-bit keys.
AES • Crypto • SecurityBitwise Calculator
Perform bitwise XOR, AND, OR, and NOT operations on hexadecimal and binary data blocks.
XOR • AND • HexPCI Log Sanitizer
Instantly scrub, obfuscate, and redact Primary Account Numbers (PANs) and sensitive data from logs.
PCI-DSS • Logs • RedactBase64 Calculator
Encode hex or text to Base64 and decode Base64 back to hex or plaintext. Essential for payload inspection.
Base64 • Hex • EncodeSHA-1 Calculator
Calculate SHA-1 hash digest of hex string input. 160-bit output as 40-character hex string.
SHA-1 • Hash • CryptoSHA-256 Calculator
Calculate SHA-256 hash digest of hex string input. 256-bit output as 64-character hex string.
SHA-256 • Hash • CryptoHMAC Calculator
Calculate Keyed-Hash Message Authentication Code (HMAC) using SHA-256 or SHA-1 with hex key and data.
HMAC • SHA-256 • MACCVV Calculator
Calculate Card Verification Value (CVV/CVC), CVV2, and iCVV from PAN, expiry date, and CVK keys using 2-key Triple DES.
CVV • CVV2 • iCVVCAVV Decoder
Decode Cardholder Authentication Verification Value (CAVV) from 3D Secure into auth results, method, ATN, and HMAC hash. Visa U3 V7.
CAVV • 3DS • AuthAAV Decoder
Decode Mastercard Accountholder Authentication Value (UCAF) into control byte, auth method, transaction sequence, and MAC.
AAV • UCAF • MastercardSPA AAV Calculator
Calculate Mastercard SecureCode Accountholder Authentication Value using HMAC-SHA1 for 3D Secure / Identity Check UCAF.
SPA • HMAC • UCAFdCVV Calculator
Calculate Dynamic Card Verification Value (dCVV) for contactless EMV transactions using PAN, expiry, ATC, and CVK keys.
dCVV • ATC • ContactlessASCII ↔ Hex Converter
Convert between ASCII text and hexadecimal representation. Essential for decoding payment log fields and ISO 8583 data.
ASCII • Hex • ConvertBCD ↔ Integer Converter
Convert between Binary Coded Decimal hex and integer values. Essential for ISO 8583 length indicators and EMV amount fields.
BCD • Packed • ConvertBinary ↔ Hex Converter
Convert between binary strings and hexadecimal. Essential for decoding bitmaps, flags, and low-level protocol data.
Binary • Hex • BitmapHex ↔ Decimal Converter
Convert between hexadecimal and decimal numbers with BigInt precision. Essential for EMV tag values and protocol field debugging.
Hex • Decimal • BigIntJulian Date Converter
Convert between Julian ordinal dates (YYDDD) and calendar dates. Essential for payment settlement, batch processing, and mainframe systems.
Julian • YYDDD • SettlementHex Dump Viewer
Truecolour hex dump with byte-value colorization. Visualize patterns, strings, and entropy in raw hex data with ASCII view.
Hex Dump • Colour • EntropyPIN Block Format 0
Calculate ISO 9564-1 Format 0 (ANSI X9.8) PIN blocks from PIN and PAN with optional 3DES encryption using a Zone PIN Key.
PIN Block • ISO 9564 • 3DESPIN Block Format 1
Calculate ISO 9564-1 Format 1 (ECI-4) PIN blocks with random fill — no PAN required. Optional 3DES encryption.
PIN Block • ECI-4 • No PANVisa PVV Calculator
Calculate PIN Verification Value (PVV) from PAN, PIN, PVKI, and PVK using the Visa 3DES algorithm with TSP construction and decimalization.
PVV • PVKI • 3DESIBM 3624 PIN Calculator
Calculate Intermediate (Natural) PIN using the IBM 3624 algorithm with DES/3DES encryption and configurable decimalization table.
IBM 3624 • DES • Natural PINIBM 3624 PIN Offset
Calculate PIN offsets for IBM 3624 PIN validation. Compute offset from customer PIN or verify/reconstruct PIN from stored offset using mod-10 arithmetic.
PIN Offset • Mod-10 • VerifyPIN from PIN Block
Extract the clear PIN from an ISO 9564 Format 0 or Format 1 PIN block. Optional PEK/ZPK 3DES decryption with auto-format detection.
PIN Extract • ISO 9564 • PEKPIN Translation
Re-encrypt PIN blocks between working keys (ZPK/TPK) with optional ISO 9564 format conversion between Format 0 and Format 1.
Translate • ZPK • Re-encryptPIN for PVV Finder
Search all 10,000 PINs (0000–9999) to find which one yields a specific Visa PVV. Brute-force with collision detection.
PVV • PIN Search • Brute ForceTVR Decoder
Decode EMV Tag 95 (Terminal Verification Results) bit-by-bit. Offline data auth, CVM, risk management, and issuer script processing flags.
TVR • Tag 95 • EMVAIP Decoder
Decode EMV Tag 82 (Application Interchange Profile) bit-by-bit. SDA, DDA, CDA, cardholder verification, and terminal risk management capabilities.
AIP • Tag 82 • EMVTerminal Capabilities Decoder
Decode EMV Tag 9F33 (Terminal Capabilities) bit-by-bit. Card data input methods, CVM support, and security features (SDA, DDA, CDA).
Tag 9F33 • CVM • SecurityCVM List Decoder
Decode EMV Tag 8E (CVM List) into Amount X, Amount Y, and individual CV Rules with human-readable CVM codes and condition descriptions.
Tag 8E • CV Rules • CVMCVM Results Decoder
Decode EMV Tag 9F34 (CVM Results) into CVM method performed, condition code, and verification result (Unknown/Failed/Successful).
Tag 9F34 • CVM Result • EMVForm Factor Decoder
Decode EMV Tag 9F6E (Form Factor Indicator / FFI) into device type, features, CVM capabilities, and Tap-to-Phone status per Visa VCPS.
Tag 9F6E • FFI • Visa VCPSIAD Decoder
Decode EMV Tag 9F10 (Issuer Application Data) — auto-detect Visa vs Mastercard, extract DKI, CVN, and CVR with bit-level decoding.
Tag 9F10 • CVN • CVRCTQ Decoder
Decode EMV Tag 9F6C (Card Transaction Qualifiers) bit-by-bit. Online PIN, Signature, ODA failure handling, and interface switching preferences.
Tag 9F6C • CTQ • VisaTTQ Decoder
Decode EMV Tag 9F66 (Terminal Transaction Qualifiers) bit-by-bit. Reader capabilities, CVM requirements, mobile support, and issuer update processing.
Tag 9F66 • TTQ • qVSDCTSI Decoder
Decode EMV Tag 9B (Transaction Status Information) bit-by-bit. Shows which processing functions were performed: offline auth, CVM, risk management.
Tag 9B • TSI • EMVAddl. Terminal Capabilities
Decode EMV Tag 9F40 (Additional Terminal Capabilities) bit-by-bit. Transaction types, data input/output, and code table support.
Tag 9F40 • IO • EMVAUC Decoder
Decode EMV Tag 9F07 (Application Usage Control) bit-by-bit. Domestic/international cash, goods, services, ATM, and cashback permissions.
Tag 9F07 • AUC • EMVCSU Builder
Build and decode EMV Card Status Update (CSU) commands for issuer scripts: approve/decline, card/app block, PIN try counter, offline counters.
CSU • Issuer Script • EMVCVR Decoder
Decode Card Verification Results (CVR) from Tag 9F10 bit-by-bit. Supports Visa (4-byte) and Mastercard (6-byte) formats.
CVR • Tag 9F10 • Visa/MCMAC Calculator
Compute ISO/IEC 9797-1 MAC Algorithm 3 (Retail MAC) using DES CBC-MAC with final 3DES output transformation. Padding Method 1 & 2.
ISO 9797-1 • DES MAC • RetailUDK Calculator
Derive ICC Master Keys (UDK) from Issuer Master Keys per EMV Book 2 Annex A1.4. Method A & B with DES parity adjustment.
UDK • EMV • Key DerivationDOLs Decoder
Decode EMV Data Object Lists (PDOL, CDOL1, CDOL2, DDOL, TDOL) into Tag + Length entries with automatic tag name resolution.
PDOL • CDOL • DOL ParserKey Block Decoder
Decode TR-31 / ANSI X9.143 key blocks into version, key usage, algorithm, mode of use, exportability, optional blocks, and MAC.
TR-31 • Key Block • X9.143IPM DE 22 Decoder
Decode Mastercard IPM Data Element 22 (POS Entry Mode) into 11 subfields: PAN entry, PIN capability, cardholder/card presence, terminal environment.
IPM • DE 22 • POS EntryCIS DE 61 Decoder
Decode Mastercard CIS Data Element 61 (POS Data) into 12 subfields: terminal attendance, location, cardholder/card presence, CAT level.
CIS • DE 61 • POS DataARQC CVN 10 Calculator
Calculate Visa CVN 10 ARQC/ARPC cryptograms with IMK→UDK derivation, CDOL1 assembly, and CBC-MAC per Visa ICC Specification.
CVN 10 • ARQC • VisaARQC CVN 18/22 Calculator
Calculate Visa CVN 18/22 ARQC/ARPC with session key derivation (UDK+ATC) and ARPC Method 2 (CSU) per EMV Book 2 A1.3.1.
CVN 18/22 • Session Key • ARPC M2ARQC M/Chip Calculator
Calculate Mastercard M/Chip ARQC/ARPC for CVN 16/17/20/21 with MC Proprietary SKD or EMV CSK session key and ARPC Method 1.
M/Chip • CVN 16-21 • MC SKDCAP / DPA Calculator
Calculate EMV Chip Authentication Program (CAP) and Dynamic Passcode Authentication (DPA) tokens. Option A derivation with Session Key, ARQC, and IPB masking.
CAP • DPA • OTP • EMVKey Share Generator
Split cryptographic keys into 2 or 3 XOR components for dual-control key ceremonies and recombine them with KCV verification.
XOR Split • KCV • Key CeremonyePassport MRZ Decoder
Decode and validate Machine Readable Zones (MRZ) from passports and ID cards per ICAO 9303. TD1, TD2, TD3 support with check digit validation.
MRZ • ICAO 9303 • PassportHow does the AI Copilot ensure accuracy when analyzing payment logs?
The AI Copilot achieves high accuracy by using a two-step process. First, it utilizes our deterministic, browser-based tools (like the ISO 8583 parser and EMV decoder) to perfectly extract the raw data. Second, it feeds that structured, error-free data into the local LLM to tell the story of the transaction and provide root cause analysis.
Is my payment data sent to a server for AI analysis?
No. The AI Copilot runs a Llama 3 8B model entirely locally in your browser using WebGPU. Your sensitive payment logs, cryptographic keys, and PANs never leave your device, ensuring complete privacy and PCI compliance.
What is the IsoFluent Payment Workbench?
IsoFluent Payment Workbench is a comprehensive suite of offline, browser-based tools designed for FinTech engineers. It combines deterministic parsing (ISO 8583, EMV, Cryptography) with local AI to simplify payment integration and debugging.
Can the AI write code based on the ISO 8583 messages?
Yes. Because the AI Copilot understands the precise structure of the parsed ISO 8583 message, you can prompt it to generate integration code (in Python, Java, Go, etc.) specifically tailored to the transaction you just analyzed.