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ARQC/ARPC CVN 18/22 Calculator

Visa Chip Verification Number 18/22 — Generate ARQC with session key derivation and ARPC Method 2

Visa CVN 18/22: This tool implements the Visa ICC Card Specification for Cryptogram Version Numbers 18 and 22. Unlike CVN 10 (which uses UDK directly), CVN 18/22 derives a transaction-specific session key from the UDK and ATC per EMV Book 2 A1.3.1. ARPC uses Method 2 (4-byte output with Card Status Update) instead of Method 1.
🔑 Key Derivation (IMK → UDK → Session Key)
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 18/22 verification.

Related Tools

🔐

ARQC CVN 10 Calculator

Visa CVN 10 — uses UDK directly as session key, ARPC Method 1
🔑

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 18/22 Calculator?

The ARQC CVN 18/22 Calculator generates ARQC/ARPC cryptograms using Cryptogram Version Numbers 18 and 22, the current Visa specifications for EMV transaction authentication with enhanced security.

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

What is the difference between CVN 18 and CVN 22?

CVN 18 uses 3DES for cryptogram generation while CVN 22 uses AES. CVN 22 provides stronger cryptographic security and is required for cards that need to support AES-based key management.