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IAD Decoder

Decode EMV Tag 9F10 — Issuer Application Data — auto-detect Visa vs Mastercard, DKI, CVN, CVR bit-by-bit

🔍 Input

Enter the hex value of Tag 9F10. Spaces are OK. Auto-detects Visa/Mastercard format.

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📖 About This Tool

What is the Issuer Application Data Decoder?

The IAD Decoder parses Issuer Application Data (EMV Tag 9F10), a proprietary field that carries issuer-specific data including the Cryptogram Version Number, CVR, DAC/ICC, and derivation key indicator.

🛠️ How to Use
  1. Enter the IAD hex value (Tag 9F10).
  2. Select the card scheme (Visa or Mastercard).
  3. Click Decode to parse the IAD fields.
❓ FAQ

What information does the IAD contain?

The IAD (Tag 9F10) contains the CVN (Cryptogram Version Number), CVR (Card Verification Results), DAC (Data Authentication Code) or ICC Dynamic Number, and the derivation key indicator. Its format is card-scheme specific.