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ARQC/ARPC M/Chip Calculator

Mastercard M/Chip cryptogram calculator with CVN 16/17/20/21, session key derivation, and ARPC Method 1

M/Chip CVN Differences: CVN 16/17 use Mastercard Proprietary SKD (ATC + UN → session key). CVN 20/21 use EMV CSK (ATC only → session key, same as Visa CVN 18). CVN 17/21 additionally append the ATC counter to the AC data before MAC computation.
🔢 Cryptogram Version Number (CVN)
🔑 Key Derivation (IMK → UDK → Session Key)
16-byte IMK for UDK derivation
Decimal digits only
2-digit decimal (tag 5F34)
📋 AC Transaction Data (CDOL1)
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 Mastercard M/Chip verification.

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ARQC CVN 10 Calculator

Visa CVN 10 — uses UDK directly as session key, ARPC Method 1
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ARQC CVN 18/22 Calculator

Visa CVN 18/22 — EMV CSK session key, ARPC Method 2 (CSU)
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EMV Tag Inspector

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

What is the ARQC M/Chip Calculator?

The ARQC M/Chip Calculator generates ARQC/ARPC cryptograms per the Mastercard M/Chip specification. M/Chip uses its own derivation and MAC calculation methods distinct from Visa CVN specifications.

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

How does M/Chip differ from Visa CVN?

M/Chip uses Mastercard-specific key derivation (with different padding) and constructs the ARQC input data differently than Visa CVN 10/18/22. The resulting cryptogram format is the same (8 bytes) but the calculation method is proprietary to Mastercard.