Card (ICC)Format: cnLength: ≤10
5A

Application PAN

Tag ID
5A
Format
cn
Length (bytes)
≤10
Source
Card (ICC)

What it is

The Application PAN is the cardholder account number for this application, encoded as compressed numeric (BCD) and right-padded with hex F to a whole number of bytes. It is the same PAN that appears embossed on the card and inside Track 2.

It is sensitive cardholder data; validate it with the Luhn check digit and never log it in the clear.

Where it appears

Read from the card record files (per the AFL) after GET PROCESSING OPTIONS.

Specification reference

Defined in: EMV 4.x Book 3 (Application Specification), Annex A — Data Element Dictionary

Example values

4761 7390 0101 0119A 16-digit PAN (BCD, F-padded if odd length)