{"id":40,"date":"2019-09-09T07:36:05","date_gmt":"2019-09-09T07:36:05","guid":{"rendered":"https:\/\/www.cardprinting.com\/articles\/?p=40"},"modified":"2026-04-13T13:23:52","modified_gmt":"2026-04-13T13:23:52","slug":"guide-to-magnetic-stripes","status":"publish","type":"post","link":"https:\/\/www.cardprinting.com\/articles\/guide-to-magnetic-stripes\/","title":{"rendered":"Magnetic Stripe Cards: A Beginner\u2019s Guide to Mag Stripe Cards"},"content":{"rendered":"<p>Magnetic stripe cards, often called mag stripe cards, are plastic cards with a stripe on the back that can be encoded with data for use in gift card, loyalty, membership, access, identification, and point-of-sale systems. They remain a practical, affordable option for businesses that need cards to work with existing POS equipment, card readers, or membership systems. CardPrinting.com prints custom magnetic stripe cards and provides guidance on stripe type, track format, and data setup for your program.<\/p>\n<h3>Magnetic Stripe Card Printing for Your Business<\/h3>\n<p>Need to print magnetic stripe cards for your business? CardPrinting.com produces custom magnetic stripe cards compatible with your POS system, membership program, or access control setup \u2014 with encoding options to match your existing hardware.<\/p>\n<p>A mag stripe stores small bits of information. Magnetic card readers retrieve that information when the credit card is used to make a purchase. The magnetic stripe, or magstripe, is made up of tiny iron-based magnetic particles in a plastic-like film. Each particle is a small bar magnet about 20 millionths of an inch long. Magnetic stripe cards are on <a class=\"sub-links\" href=\"https:\/\/www.cardprinting.com\/category\/plastic-card\"> plastic cards<\/a>, <a class=\"sub-links\" href=\"https:\/\/www.cardprinting.com\/category\/event-badges\">ID cards<\/a>, <a class=\"sub-links\" href=\"https:\/\/www.cardprinting.com\/product\/plastic-card\/custom-gift-cards\">custom printed gift cards<\/a>, and <a class=\"sub-links\" href=\"https:\/\/www.cardprinting.com\/category\/posa-hanging-gift-cards\">point-of-sale-activation (POSA) cards<\/a>. <a href=\"https:\/\/www.cardprinting.com\/product\/plastic-card\/custom-gift-cards\"><img decoding=\"async\" loading=\"lazy\" class=\"alignright wp-image-48 size-full\" style=\"margin-top: 2rem;\" src=\"https:\/\/www.cardprinting.com\/articles\/wp-content\/uploads\/2023\/04\/Disclaimers-Page-CTA.png\" alt=\"Order your custom gift cards at CardPrinting.com\" width=\"475\" height=\"330\" \/><\/a><\/p>\n<p>Each stripe contains three tracks. Each track is basically a single physical (but invisible) line on the magnetic strip and must meet ISO standards when encoding these tracks. Information redundancy has also been built in on a magnetic stripe. This design redundancy means that if the first track of the magnetic stripe is damaged, the second track can still carry enough information to use the credit card to make purchases. Point-of-sale card readers almost always read track 1, or track 2, and sometimes both, in case one track is unreadable.<\/p>\n<p>Point-of-sale equipment is electronics gadgetry that is programmed to perform specific tasks &#8211; such as reading magnetic stripes. Examples of cards adhering to these standards include ATM cards, bank cards (credit and debit cards including VISA and MasterCard), gift cards, loyalty cards, driver&#8217;s licenses, telephone cards, membership cards, electronic benefit transfer cards (e.g. food stamps), and nearly any application in which value or secure information is not stored on the card itself. Many video game and amusement centers now use debit card systems based on magnetic stripe cards.<\/p>\n<p>Mag stripes come in two varieties: high-coercivity (Hi\/Co) and low-coercivity (Lo\/Co). High-coercivity magnetic stripes are harder to erase, and therefore are appropriate for frequently-used cards or which those that need to have a long life. Low-coercivity mag stripes require a lower amount of magnetic energy to record, and hence the card writers are much cheaper than machines which are capable of recording high-coercivity magnetic stripes. Both high-coercivity and low-coercivity cards have up to three tracks for encoding.<\/p>\n<p>High coercivity magnetic stripes require a stronger magnetic field to encode data, which also makes the stored information more resistant to accidental erasure. While the data can still be erased, it typically takes a much stronger magnet than those found in everyday household items.<\/p>\n<h3 style=\"margin: 0px;\">Common Uses for Magnetic Stripe Cards<\/h3>\n<p style=\"margin: 0px; padding: 0px;\">Magnetic stripe cards are used across a wide range of industries because they are reliable, cost-effective, and compatible with existing card reader systems. Common applications include:<\/p>\n<ul>\n<li><a class=\"sub-links\" href=\"https:\/\/www.cardprinting.com\/product\/plastic-card\/custom-gift-cards\">Gift cards<\/a> connected to a POS system<\/li>\n<li><a class=\"sub-links\" href=\"https:\/\/www.cardprinting.com\/product\/plastic-card\/loyalty-cards\">Loyalty<\/a> and <a class=\"sub-links\" href=\"https:\/\/www.cardprinting.com\/product\/plastic-card\/rewards-cards\">rewards cards<\/a><\/li>\n<li><a class=\"sub-links\" href=\"https:\/\/www.cardprinting.com\/product\/plastic-card\/membership-cards\">Membership cards<\/a> for gyms, clubs, and associations<\/li>\n<li><a class=\"sub-links\" href=\"https:\/\/www.cardprinting.com\/product\/plastic-card\/hotel-key-cards\">Hotel key cards<\/a> and access-related programs<\/li>\n<li><a class=\"sub-links\" href=\"https:\/\/www.cardprinting.com\/category\/posa-hanging-gift-cards\">POSA cards<\/a> for retail display programs<\/li>\n<li><a class=\"sub-links\" href=\"https:\/\/www.cardprinting.com\/category\/card-key-tag-combos\">Wallet card + key tag combos<\/a> with encoded data<\/li>\n<\/ul>\n<p style=\"margin-top: 0px;\">In most cases, the magnetic stripe stores an account number or identifier, while the actual data\u2014such as balance, usage, or access permissions\u2014is managed within your POS or software system.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-41\" src=\"https:\/\/www.cardprinting.com\/articles\/wp-content\/uploads\/2023\/04\/Magstripe-track123.jpg\" alt=\"\" width=\"662\" height=\"185\" \/><\/p>\n<p><strong>Card Track One<\/strong><br \/>\nTrack one is the only track that contains the name of the account holder. This track also contains the information of the card issuing bank, including the credit account number, cardholder billing address, country code for the account, expiration date of the account and a three digit service code. The service code communicates to a buyer how the card must be billed, if the buyer has international purchasing privileges or just national purchasing privileges and whether or not a PIN number is required for purchase approval. Track 1 holds 79 alpha\/numeric characters.<\/p>\n<p><strong>Card Track Two<\/strong><br \/>\nTrack two in the magnetic stripe of a credit or debit card stores very similar information to track one with several important differences. Track two only stores numeric code, whereas track one stores alphanumeric code. This means track two cannot store information containing letters, only numbers. Track two may also include the primary account number and discretionary data like PIN number verification and the criteria for purchase approval. According to the Plastic Rewards website, one purpose of track two is to review the information sent from the credit card to the scanner to ensure all the information is read correctly and no errors occur. Track 2 stores 40 numeric characters.<\/p>\n<p><strong>Card Track Three<\/strong><br \/>\nNational bank card issuers do not use this track three, and in fact, it mostly unused. Sometimes Track three is not even present on the card, as in the case of a two-track magnetic stripe. Retailers and other businesses may use Track three for purchasing data storage including any PIN required to access the account and total available credit. No standard exists for data stored on track three as exists with tracks one and two. Some credit cards with very narrow magnetic strips do not contain a third data track. Track 3 holds 107 numeric characters.<\/p>\n<h5 style=\"color: #04356d; font-family: 'robotoregular', Arial, sans-serif;\">What You Need Before Ordering Magnetic Stripe Cards:<\/h5>\n<ul style=\"margin-top: 0px; margin-bottom: 8px;\">\n<li>Whether your system requires low coercivity (LoCo) or high coercivity (HiCo)<\/li>\n<li>Which track is used: Track 1, Track 2, or both<\/li>\n<li>A properly formatted data file for encoding (Excel .xlsx, comma-delimited .csv, or tab-delimited file)<\/li>\n<\/ul>\n<p>If you already have a POS system, access control system, or membership software in place, the correct specifications are already defined. The safest approach is to match what your system currently uses. If you\u2019re unsure, contact your POS provider or technical support team. They can quickly tell you the correct stripe type, track format, and data requirements \u2014 ensuring your cards work properly the first time. Ordering the wrong format can result in cards that don\u2019t work with your system.<\/p>\n<h5 style=\"color: #04356d; font-family: 'robotoregular', Arial, sans-serif;\">Do Magnetic Stripe Cards Store the Balance or Value?<\/h5>\n<p style=\"margin-top: 0px; margin-bottom: 8px;\">Usually, no. In many gift card and loyalty programs, the magnetic stripe stores an account number or identifier. The balance or transaction history is generally managed in your POS or software system, not on the card itself.<\/p>\n<h5 style=\"color: #04356d; font-family: 'robotoregular', Arial, sans-serif;\">Magnetic Stripe Cards vs. Barcode Cards: Which Do You Need?<\/h5>\n<p style=\"margin: 0px; margin-bottom: 8px; padding: 0px;\">The choice between magnetic stripe cards and barcode cards usually comes down to one simple question: what hardware are you already using?<\/p>\n<ul style=\"margin-top: 8 px; margin-bottom: 0 px;\">\n<li>If your system uses a <strong>swipe reader<\/strong>, you need <strong>magnetic stripe cards<\/strong>.<\/li>\n<li>If your system uses a <strong>scanner<\/strong>, you need <strong>barcode cards<\/strong>.<\/li>\n<\/ul>\n<p>If you&#8217;re unsure, check with your POS provider or software company before ordering. They can tell you exactly what type of card your system is designed to read.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn how magnetic stripe cards work, the difference between LoCo and HiCo mag stripes, track encoding basics, and what you need to order custom mag stripe cards.<\/p>\n","protected":false},"author":1,"featured_media":191,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[3],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Beginner&#039;s Guide to Magnetic Stripes | CardPrinting.com<\/title>\n<meta name=\"description\" content=\"There are some decisions about designing and printing a gift card that you cannot leave up to chance. Magnetic stripe data and where it is stored is one of them. Use this guide to help you gather the information you need to complete an online order for gift cards.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cardprinting.com\/articles\/guide-to-magnetic-stripes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Beginner&#039;s Guide to Magnetic Stripes | CardPrinting.com\" \/>\n<meta property=\"og:description\" content=\"There are some decisions about designing and printing a gift card that you cannot leave up to chance. Magnetic stripe data and where it is stored is one of them. 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