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PIN Block Format 0

Calculate ISO 9564-1 Format 0 (ANSI X9.8) PIN blocks from PIN and PAN with optional 3DES encryption using a Zone PIN Key

🔢 PIN & Card Data

4–12 numeric digits. Spaces are allowed.

13–19 digit card number. Spaces are allowed.

🔑 Zone PIN Key (Optional)

Optional. 16-byte double-length 3DES key (32 hex chars). If provided, the clear PIN block is encrypted with 3DES-ECB.

How it works: ISO 9564-1 Format 0 (also known as ANSI X9.8 or VISA-1) is the most widely used PIN block format in the payment industry.

PIN Field: 0 (format) + PIN length (1 nibble) + PIN digits + F-padding to 16 hex characters. For PIN "1234": 041234FFFFFFFFFF.

PAN Field: 0000 + rightmost 12 digits of PAN excluding the check digit. For PAN "4012345678909": 0000401234567890.

Clear PIN Block: XOR of the PIN Field and PAN Field. The PAN binding prevents a captured PIN block from being replayed against a different card.

Encryption: In production, the clear PIN block is encrypted with a Zone PIN Key (ZPK) using 3DES-ECB before transmission. The ZPK is a double-length key (32 hex chars = 16 bytes) shared between HSMs.

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📖 About This Tool

What is the PIN Block Format 0 Calculator?

The PIN Block Format 0 Calculator computes PIN blocks per ISO 9564-1 Format 0 (also known as ANSI X9.8). It XORs a PIN field with a PAN field to create the PIN block used for encrypted PIN transmission in ATM and POS transactions.

🛠️ How to Use
  1. Enter the clear PIN (4-12 digits).
  2. Enter the PAN (the rightmost 12 digits excluding the check digit are used).
  3. Click Calculate to generate the Format 0 PIN block.
❓ FAQ

What is ISO 9564 Format 0?

Format 0 (ANSI X9.8) creates a 16-character hex PIN block by XORing a PIN field (0 + PIN length + PIN + pad with F) with a PAN field (0000 + rightmost 12 PAN digits excluding check digit). It is the most widely used PIN block format.