ISO/IEC 7813

ISO/IEC 7813 is an international standard codified by the International Organization for Standardization and International Electrotechnical Commission that defines properties of financial transaction cards, such as ATM or credit cards.[1]


The standard defines:

Physical characteristics

ISO/IEC 7813 specifies the following physical characteristics of the card, mostly by reference to other standards:

Embossed characters 
by reference to ISO/IEC 7811
Embossing of expiration date 
the format (MM/YY or MM-YY)
Magnetic stripe 
by reference to ISO/IEC 7811
Integrated circuit with contacts 
by reference to ISO/IEC 7816-1
Integrated circuit without contacts 
by reference to ISO/IEC 10536-1, ISO/IEC 14443-1, and ISO/IEC 15693-1

Magnetic tracks

Track 1

The Track 1 structure is specified as:

The maximum record length is 79 alphanumeric characters.


%B4815881002861896^YATES/EUGENE JOHN              ^37829821000123456789?

%B4815881002861896^YATES/EUGENE L                ^^^0000000      00998000000?

Track 2

The Track 2 structure is specified as:

The maximum record length is 40 numeric digits (e.g., 5095700000000).

Track 3

Track 3 is virtually unused by the major worldwide networks and often isn't even physically present on the card by virtue of a narrower magnetic stripe.

A notable exception to this is Germany, where Track 3 content was used nationally as the primary source of authorization and clearing information for debit card processing prior to the adoption of the "SECCOS" ICC standards. Track 3 is standardized nationally to contain both the cardholder's bank account number and branch sort code (BLZ).


Parsing Track 1 and Track 2 can be done with Regular Expressions. Included here is just the Regular Expression for parsing Track 1.

Track 1


This Regex will capture all of the important fields into the following groups:


Reference implementations

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