Test Every Payment. Trust Every Transaction.

Validate cards, decode EMV, compute cryptograms and parse ISO 8583 — in your browser, no signup.

Explore 102 Tools See the Platform

Puzzle

Can you route the payment?

Trace a payment through fifteen systems. Eight levels, with hints and a step-by-step solution. What each level teaches →

Mission

A chip card is inserted at a coffee shop. Route the authorization request to the bank that issued the card.

Start at Chip card and click connected systems one hop at a time until you reach the goal. Some routes reach the goal and still fail. Par: 4 hops.

CustomerMerchantAcquirer / PSPCard schemeIssuerEMV chip: signs each transaction with an ARQC cryptogram.💳Chip cardSTARTHolds a device token (DPAN), never the real card number.📱Phone walletThe shopper at an online checkout.🌐BrowserReads the card or phone and builds the authorization request.🏪POS terminalThe merchant’s online payment page.🛒Web checkoutHardware security module: translates PIN blocks between keys.🔐Acquirer HSMThe merchant’s bank: routes requests to the right card network.🏦Acquirer hostConnects checkouts and terminals to the acquirer.⚙️Payment gatewayRuns 3-D Secure for the merchant or its PSP.🛡️3DS ServerToken vault: maps device tokens back to real card numbers.🪙Token serviceRoutes authorizations between acquirers and issuers by BIN.🔗Card network3-D Secure router: finds the issuer’s ACS for a card range.🧭Directory ServerVerifies PINs, ARQCs and CAVVs without exposing keys.🔑Issuer HSMThe cardholder’s bank: approves or declines.🏛️Issuer hostGOALAccess Control Server: the issuer’s 3-D Secure authenticator.✅ACS

Your route · 0 hops

  1. Chip card

102Free Tools
10+Card Schemes
3DSv2.x Support
EMVFull Coverage

Why PayProbe

Everything you need to test payments

A unified platform covering all aspects of payment testing — from simple validation utilities to deep EMV cryptographic analysis.

Validate & Debug

Real-time card validation, BIN lookup, Luhn checks, IBAN verification, and ISO 8583 parsing — catch data bugs before they reach production.

Decode & Inspect

Decode EMV TLV, ASN.1/DER, TVR, AIP, IAD, and TTQ/CTQ fields. Parse SWIFT MT messages, ISO 8583 bitmaps, and TR-31 key blocks instantly.

Compute & Generate

Calculate ARQC, PVV, CVV, CAVV, UDK, and session keys. Generate test card data, PIN blocks, key shares, and complete Track 1 & 2 records.

Tools

102 ready-to-use payment utilities

Purpose-built tools covering validation, EMV, cryptography, PIN, ISO 8583, SWIFT, encoding, and simulation — all free, all instant, all in the browser.

View all tools
🔓
EMV & TLV

EMV TLV Decoder

Decode DE55 and any TLV hex into annotated tag/value records.

🔐
Cryptography

DES / 3DES Calculator

Encrypt and decrypt with DES and Triple DES in ECB and CBC modes.

💳
Validation

Card Validator

Luhn check plus scheme detection for any PAN across all major networks.

📦
ISO 8583

ISO 8583 Parser

Parse financial messages — bitmap, MTI, and all 128 data elements.

🧮
Card Security

ARQC / ARPC Calculator

Compute EMV application cryptograms for CVN10 and CVN18 profiles.

🌐
SWIFT

SWIFT Validator

Parse and validate SWIFT MT (FIN) messages at the field level.

🧱
EMV & TLV

ASN.1 / DER Decoder

Recursively decode BER/DER encoded certificates and key structures.

⚖️
Simulation

Dispute Simulator

Walk through Visa and Mastercard chargeback reason code lifecycles.

Learning Paths

Curated sequences for common goals

New to a payment domain? Follow a guided path through the right tools and reference pages — in order.

💳

Building an EMV Terminal

For: Terminal developers
  1. 1 Chip Structure standard
  2. 2 APDU Protocol standard
  3. 3 Key Management standard
  4. 4 EMV TLV Decoder tool
  5. 5 ARQC Calculator tool
🔍

Debugging Failed Authorizations

For: Payment engineers
  1. 1 ISO 8583 Parser tool
  2. 2 EMV TLV Decoder tool
  3. 3 TVR Decoder tool
  4. 4 Response Codes tool
  5. 5 ISO 8583 Reference standard
🔐

Implementing 3D Secure

For: E-commerce developers
  1. 1 3DS Deep Dive guide
  2. 2 Transaction Flow standard
  3. 3 CAVV Calculator tool
  4. 4 3DS Test Scenarios page
🛡️

PCI DSS Compliance

For: Security engineers
  1. 1 PCI DSS Levels standard
  2. 2 PIN Block Encoder tool
  3. 3 Key Block Decoder tool
  4. 4 KCV Calculator tool
📡

Contactless Payments

For: NFC developers
  1. 1 NFC Standards page
  2. 2 Chip Structure standard
  3. 3 TTQ Decoder tool
  4. 4 CTQ Decoder tool
  5. 5 AIP Decoder tool
  6. 6 PDOL Builder tool
🔑

Payment Tokenization

For: Wallet developers
  1. 1 Tokenization Guide guide
  2. 2 Key Management standard
  3. 3 ARQC Calculator tool
  4. 4 Token Format Checker tool

Industry Radar

This week in payments

Headlines from standards bodies, regulators and networks — with a PayProbe take on what changes for engineers and the tools it touches.

All news
Next up18–21 Oct 2026Money20/20 USAConference · Las Vegas, United States20–22 Oct 20262026 PCI SSC Europe Community MeetingStandards meeting · Edinburgh, United Kingdom20 Oct 2026Sustainable Finance.Live 2026 | Hybrid Conference and HackathonConference · Global31 Oct 2026PCI SPoC and CPoC give way to MPoC; the standalone 3DS SDK standard sunsets 31 OctoberDeadline · Regulatory / scheme dateAll events →

PayProbe take

3 Oct 2026Kernel 8 gains approved implementations: Castles and ID TECH join Ingenico3 Oct 2026"Zombie Card": expired contactless cards revived through a relay that rewrites the expiry date28 Sep 2026Key date 23 Sep 2026FedNow starts testing cross-border transaction support

Latest headlines

Main Product

PayProbe Platform

A self-hosted payment-systems testing platform. Build test scenarios on a canvas, simulate every counterparty, and run a digital twin of a payment network — on your laptop.

  • Visual scenario constructor for ISO 8583, HSM, and REST flows
  • Built-in simulators: ISO 8583 hosts, payShield HSM, VISA Base I, CyberSource, NATS
  • Whole networks started with one click, watched live on an animated map
  • Distributed load, chaos campaigns, and Go/No-Go run reports
Learn More Get started
Test Suite — Production Gateway
Visa Authorization412ms
Mastercard Capture238ms
3DS Challenge Flow891ms
Partial Refund (edge)timeout
Webhook Delivery67ms
4 passed1 failedTotal: 1.6s

Start testing payments today

Free tools, no signup required. Jump straight into validating, simulating, and debugging payment flows.

Open 102 ToolsExplore the Platform