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ARQC/ARPC Calculator

Generate EMV Application Cryptograms and verify Authorization Response Cryptograms

EMV 4.1 Compliant: This tool implements Session Key Derivation (Option A) and CBC-MAC calculation per the EMV 4.1 Book 2 specification. The ARQC is used by the card to prove its authenticity to the issuer during online authorization.
🔏 Cryptogram Parameters
16-byte key used for session key derivation
2-byte counter from tag 9F36
Data to be included in the cryptogram (per CDOL1)
⚡ Test Vectors

Known test cases from EMV 4.1 specifications for verification.

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📖 About This Tool

What is the ARQC/ARPC Calculator?

The ARQC/ARPC Calculator generates and verifies Application Request Cryptograms (ARQC) and Application Response Cryptograms (ARPC) used in EMV chip card authentication. It computes the 8-byte MAC that proves the card and transaction data are authentic.

🛠️ How to Use
  1. Enter the Issuer Master Key (IMK) in hexadecimal.
  2. Enter the PAN (Primary Account Number) and PAN Sequence Number.
  3. Enter the transaction data fields (ATC, CDOL data).
  4. Click Calculate to generate the ARQC cryptogram.
  5. Optionally enter an Authorization Response Code to compute the ARPC.
❓ FAQ

What is an ARQC?

An ARQC (Application Request Cryptogram) is an 8-byte MAC generated by an EMV chip card during a transaction. It proves the card is genuine and the transaction data has not been tampered with. The issuer verifies the ARQC and responds with an ARPC.

What is the difference between ARQC and ARPC?

ARQC is generated by the card and verified by the issuer to authenticate the card and transaction. ARPC is generated by the issuer and verified by the card to authenticate the issuer response and authorization decision.

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