KeyLab Calculator — Payment Cryptography Tools

Free online suite of 50+ cryptographic calculators for payment security: PIN blocks, DUKPT, 3DES/AES, MAC, key blocks (TR-31/TR-34), CVV/PVV, EMV and more.

Learn about the KeyLab Calculator or browse all tools below.

Utilities

• Data Converter — Converts data between multiple formats: Hexadecimal, ASCII, Binary, Decimal, and Base64.…
• Luhn Algorithm (Mod 10) — Validates or generates numbers using the Luhn algorithm (Modulus 10). Used to verify…
• XOR Calculator — Performs bitwise XOR (exclusive OR) between two hexadecimal values. XOR is fundamental…
• Hex Editor — Interactive hexadecimal editor for viewing, editing, and analyzing binary data. Displays…

PIN

• PIN Block (ISO 9564 Format 0) — Calculates or reverses an ISO 9564 Format 0 PIN block. A PIN block is the encrypted form…
• PIN Block Formats (0-4) — Compare and compute PIN blocks across all five ISO 9564 formats (0 through 4). Each…
• PVV (PIN Verification Value) — The PIN Verification Value is a 4-digit value derived from the PAN, PIN, and a PVV Key…
• PIN Translation — Translates (re-encrypts) a PIN block from one Zone PIN Key (ZPK) to another. Used when…

Parsers

• TLV Parser — Parses Tag-Length-Value (TLV) encoded data commonly used in EMV chip card transactions,…
• IBAN Validator — Validates an International Bank Account Number (IBAN) and extracts its components:…
• SWIFT / BIC Validator — Validates and decodes a SWIFT/BIC (Business Identifier Code) used to identify financial…
• X.509 Certificate Parser — Parses X.509 digital certificates and displays all fields: subject, issuer, validity…
• ASN.1 Decoder — Decodes ASN.1 (Abstract Syntax Notation One) DER-encoded data into a human-readable tree…
• ISO 8583 Message Parser / Builder — Parses and builds ISO 8583 financial transaction messages. ISO 8583 is the international…

Hashing

• Hash Functions — Cryptographic hash functions produce a fixed-size digest from arbitrary input data. They…
• HMAC (Hash-based Message Authentication Code) — HMAC combines a cryptographic hash function with a secret key to provide message…
• Checksum Calculator — Checksums are used to detect errors in data transmission or storage. Unlike…

Encryption

• AES Encryption / Decryption — Advanced Encryption Standard (AES) is a symmetric block cipher that encrypts and…
• 3DES (Triple DES) Encryption / Decryption — Triple DES applies the DES cipher three times to each data block. While superseded by…
• RSA Encryption / Signing — RSA is an asymmetric cryptographic algorithm used for encryption, decryption, digital…
• ECC (Elliptic Curve Cryptography) — Elliptic Curve Cryptography provides the same level of security as RSA but with much…
• Diffie-Hellman / ECDH Key Exchange — Diffie-Hellman (DH) and Elliptic Curve Diffie-Hellman (ECDH) are key agreement protocols…
• DSA / EdDSA Digital Signatures — Digital Signature Algorithm (DSA) and Edwards-curve Digital Signature Algorithm (EdDSA)…
• Post-Quantum Cryptography (PQC) — Post-Quantum Cryptographic algorithms are designed to resist attacks from quantum…

Key Management

• Key Derivation (PBKDF2 / HKDF) — Key Derivation Functions convert a password or input key material into one or more…
• Key Check Value (KCV) — A Key Check Value is a short value derived from a cryptographic key that allows…
• Key Components (Split / Combine) — Split a cryptographic key into multiple XOR components for secure distribution, or…
• Key Validation — Performs a complete analysis of a cryptographic key, showing key properties (length,…
• Key Generator — Generates cryptographically random keys for DES/3DES and AES algorithms with optional…
• Parity Enforcement — Detects the current parity of a cryptographic key and adjusts it to the desired parity…
• Key Encryption (Key Wrapping) — Encrypts or decrypts a cryptographic key under a Key Encryption Key (KEK). Used to…
• DUKPT (3DES) — Derived Unique Key Per Transaction — derives all variant keys from a BDK or IPEK and…
• DUKPT-AES — AES-based DUKPT with BDK or Initial Key input. Derives all 8 working key types with…
• TR-31 Key Block — TR-31 is the industry standard format for securely packaging cryptographic keys with…
• TR-34 Key Block — TR-34 defines a method for distributing symmetric keys using asymmetric (RSA)…

Card Security

• PAN Masking — Masks a Primary Account Number (PAN) to protect cardholder data while keeping enough…
• Track Data Parser — Parses magnetic stripe track data (Track 1 and Track 2) from payment cards. Extracts the…
• BIN / IIN Lookup — Looks up the Bank Identification Number (BIN) or Issuer Identification Number (IIN) to…
• CVV (Card Verification Value) — Generates the CVV (also known as CVC) used on the magnetic stripe of payment cards. CVV…
• CVV2 / CVC2 — Generates the CVV2 (printed on the back of the card) used for card-not-present…

MAC & EMV

• MAC ANSI (X9.9 / X9.19) — Computes Message Authentication Codes using ANSI X9.9 (single DES CBC-MAC) and ANSI…
• MAC ISO 9797 — Computes MACs according to ISO 9797-1 standard with configurable algorithm and padding…
• EMV Tag Dictionary — Browse and search the complete EMV tag dictionary. Each tag identifies a specific data…
• ARQC / ARPC (EMV Cryptograms) — Generates EMV cryptograms: ARQC (Authorization Request Cryptogram) created by the card…
• EMV Script Builder — Builds EMV issuer script commands (Script 71/72) that are sent from the issuer to the…

Brazilian Payment System (SPB)

• SPB STR (Funds Transfer) — Builds and signs XML messages for the Brazilian Payment System (SPB) STR subsystem…
• SPB SPI (PIX / JWS) — Signs and verifies PIX (SPI) messages using JSON Web Signature (JWS). PIX is Brazil's…
• SPB DICT (PIX Directory) — Builds and signs XML messages for PIX DICT (Directory of Transaction Identifiers). DICT…