In the underground world of credit card fraud, magstripe cloning was once the standard. But those days are behind us. With the rollout of EMV chips, fraudsters have had to evolve—and they have. Welcome to Card Cloning 2.0, where EMV dump cloning, chip card attacks, and PIN-enabled fraud define the new frontier of digital theft.
Let’s break down how EMV dumping works, why it’s dangerous, and how carders are adapting smarter than ever.
What Is EMV Dumping?
EMV (Europay, Mastercard, and Visa) chips were introduced as a secure alternative to the traditional magstripe. Unlike magstripes, EMV chips generate a unique transaction code for each use, which makes basic cloning seemingly impossible.
But the keyword here is “seemingly.”
In EMV dumping, criminals extract data directly from the chip using hardware sniffers like skimmers or shimmers—or via POS malware planted in compromised retailers. These dumps often include:
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Track 1 and Track 2 data
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Chip data structure
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Cardholder verification method (CVM)
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Sometimes even PIN blocks
That data gets resold on dumps and PIN shops, CVV websites, or forums like Dread, where dark web vendors trade intel and tools.
The Evolution of Smart Card Fraud
The era of “dumb” magstripe cards is over. Carders now focus on:
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Cloning chip data into Java-based smart cards
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Buying PIN-enabled dumps from vendors on cvv dumps shops
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Using custom-made readers to decode EMV TLV data from chip interactions
These actions require a higher level of technical skill, but the payoff is massive—especially when targeting ATM withdrawals, high-value retail purchases, or international banking systems with weaker EMV enforcement.
Tools Used in EMV Dumping
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Smart Card Reader/Writers – Like the Omnikey 3121 or ACR38, used to analyze or write chip data.
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Shimmers – Slim devices inserted into POS machines to capture EMV chip data in real time.
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POS Malware – Injected into retail systems (often through phishing) to exfiltrate card data before encryption.
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Carding Software – Such as X2 2024, MSR605X, or other dump encoders used for writing data onto blank chips.
➡️ TrendMicro reports a rising trend of EMV skimming attacks globally, particularly in high-traffic areas like airports and ATMs.
Why EMV Dumps Are More Dangerous Than You Think
While CVVs and Fullz give access to online fraud, EMV dumps allow for in-person cloning—and that’s the game-changer. With a cloned chip card and PIN in hand, criminals can:
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Withdraw thousands in cash from ATMs
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Make purchases at physical terminals
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Exploit banks that haven’t fully implemented EMV verification
And unlike CVVs, dumps often include encrypted PIN data, making them ideal for PIN-enabled fraud attacks.
Where Are EMV Dumps Sold?
You’ll find EMV dumps on dedicated dark web marketplaces, Telegram channels, and invite-only forums. Top sources include:
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Jstash Market – Known for high-quality EMV dumps and clones
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CrdClub – Offers a section specifically for chip + PIN dumps
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Private CVV Dumps Shops – Often shared via inurl search operators like
inurl:fullzor mirrored on private GitHub pages
Many vendors label them as “CHIP + PIN dumps”, “EMV 201 dumps”, or simply “Track1/Track2 w/Chip”.
⚖️ The Global Race Between Carders and Banks
EMV was meant to stop fraud. Instead, it has triggered a technical arms race.
Banks implement tokenization, geofencing, and instant transaction alerts, while fraudsters develop Java card emulators, bypass CVMs, and leverage data from skimmers installed in parking meters, gas pumps, or fast food chains.
Even law enforcement struggles to keep up. While Europol and FBI have busted many dump rings, new actors pop up constantly, often using encrypted messaging apps and bulletproof hosting to stay hidden.
Final Thoughts: Why Smart Fraud Is Here to Stay
EMV was supposed to stop card cloning. Instead, it made it more sophisticated.
Today’s fraudsters aren’t just swiping plastic—they’re building digital replicas, intercepting chip data, and exploiting hardware vulnerabilities at scale. The card cloning game hasn’t ended; it’s evolved.
If you’re researching or tracking this space, keep an eye on how smart card fraud, EMV vulnerabilities, and underground dump shops continue to change the cybercrime ecosystem.
