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ARQC/ARPC CVN 10 Calculator

Visa Chip Verification Number 10 — Generate ARQC and verify ARPC with IMK→UDK derivation

Visa CVN 10: This tool implements the Visa ICC Card Specification for Cryptogram Version Number 10. The Issuer Master Key (IMK) is used to derive a Unique Derivation Key (UDK) via PAN/PSN (Method A, EMV Book 2 A1.4.1). The UDK is then used directly as the session key to compute the ARQC via CBC-MAC over the Visa CDOL1 data.
🔑 Key Derivation (IMK → UDK)
16-byte IMK for UDK derivation
Decimal digits only
2-digit decimal (tag 5F34)
📋 CDOL1 Transaction Data
6 bytes — BCD encoded amount
6 bytes — cashback amount
2 bytes — ISO 3166 numeric
5 bytes — terminal verification
2 bytes — ISO 4217 numeric
3 bytes — YYMMDD format
1 byte — 00=purchase, 01=cash
4 bytes — random terminal value
2 bytes — card capabilities
2 bytes — incremented per tx
4 bytes — from IAD (tag 9F10)
⚡ Test Vectors

Pre-configured test cases for Visa CVN 10 verification.

Related Tools

🔐

ARQC Calculator (Generic)

Generic ARQC/ARPC calculator with session key derivation options
🔑

UDK Calculator

Derive Unique Derivation Keys using Method A or B
💳

EMV Tag Inspector

Decode EMV chip data and extract transaction parameters
📖 About This Tool

What is the ARQC CVN 10 Calculator?

The ARQC CVN 10 Calculator generates ARQC/ARPC cryptograms using Cryptogram Version Number 10, an older Visa specification that uses a simplified data padding scheme compared to newer versions.

🛠️ How to Use
  1. Enter the Issuer Master Key, PAN, and PSN.
  2. Enter the transaction data.
  3. Click Calculate to generate the ARQC.
❓ FAQ

What is CVN 10?

CVN 10 (Cryptogram Version Number 10) is an older Visa cryptogram specification that uses a simplified MAC calculation. It processes the transaction data with specific padding rules different from CVN 18 and CVN 22.