Custom magnetic stripe card printing

Hi-Co / Lo-Co encoding · ISO 7811 tracks 1, 2 & 3

Professional magnetic stripe cards for hotels, parking, legacy POS, transport and access control still running on swipe infrastructure. Hi-Co or Lo-Co coercivity, full ISO 7811 track support, encoded and read-verified before dispatch.

From 100 cards Hi-Co & Lo-Co ISO 7811 tracks 1-2-3 Read-verified
Custom PVC magnetic stripe cards with Hi-Co and Lo-Co encoding for hotels, parking and legacy POS systems

Why Lumacards for magnetic stripe cards

Magnetic stripe card printing engineered for reader compatibility

Hi-Co & Lo-Co encoding

300 or 2750 Oersted coercivity on the same stripe range. The right specification chosen based on your reader type and reissue frequency.

ISO 7811 tracks 1-2-3

Full ISO 7811 standard with tracks 1, 2 and 3 encoded independently or combined. Compatible with swipe readers across hotel, transport and retail systems.

Read-verified at production

Every stripe is written and then read-verified before the card leaves production. Cards are guaranteed readable on standard ISO 7811 equipment.

How it works

From system specification to swipe-ready cards in 4 steps

Magnetic encoding is unforgiving on the data side. A clear specification up front prevents reader-failure surprises on delivery.

Reader specification review and data structure analysis for magnetic stripe encoding

1. Share reader specs & data

Send your print-ready file with encoding spec and reader requirements β€” or brief us on the programme and our designers build the card.

Digital proof sent by email for written client approval before magnetic stripe production

2. Digital proof validation

A digital proof is sent by email for written approval before any production starts. Layout, encoding parameters (coercivity, track structure, data format) and visual rendering are locked upfront β€” production cannot launch without your sign-off.

Magnetic stripe encoding and read-verification quality control before dispatch

3. Encoded & read-verified

Every card is encoded, then read back and verified against the source file. Any card failing verification is automatically rejected and replaced before packing.

Magnetic stripe cards packed with protective stripe separator and dispatched across Europe

4. Protected dispatch

Cards are stacked stripe-to-back to prevent magnetic field interference during transit, then dispatched across Europe and the UK with tracked shipping.

Free quote β€” no commitment

Ready to deploy magnetic stripe cards in your system?

Tell us about your reader type, encoding format and data structure β€” we return a tailored quotation within 24 hours. From 100 cards, standard or urgent lead times.

  • From 100 cards
  • Hi-Co 2750 or 4000 Oe / Lo-Co 300 Oe
  • ISO 7811 tracks 1, 2 and 3
  • Variable data encoding from your file
  • Read-verified before dispatch
  • Your artwork or our designers

Get your quote in 24h

Your details are secure β€” no spam, no commitment.

Product specifications

Technical options for your magnetic stripe cards

Coercivity, track structure, stripe colour and data format β€” every variable defined by the reader on the receiving end.

Coercivity (oersted)

Hi-Co and Lo-Co β€” choosing the right magnetic strength

The coercivity value defines how resistant the stripe is to accidental erasure and how long the encoded data remains stable in daily use.

Hi-Co 2750 Oersted magnetic stripe card standard high coercivity for banking and retail POS
Standard high

Hi-Co 2750 Oe

Standard banking and retail coercivity. Excellent durability for daily swipe use across retail POS, loyalty programmes and transport cards.

Lo-Co 300 Oersted magnetic stripe card for hotel keys and frequently re-encoded access cards
Rewritable

Lo-Co 300 Oe

Lower coercivity designed for frequent re-encoding. Used for hotel room keys overwritten between stays, temporary access passes and internal badge reuse.

ISO 7811 tracks

Track structure and data formats

ISO 7811 defines three parallel tracks on a standard stripe, each with its own density, character set and historical function.

ISO 7811 track 1 magnetic stripe encoding 210 bpi for cardholder name and account identifier
Track 1

Track 1 β€” 210 bpi

79 alphanumeric characters at 210 bits-per-inch, 7-bit encoding. Historically carries cardholder name and account identifier. Used when text data is required.

ISO 7811 track 2 magnetic stripe encoding 75 bpi the most common numeric data track for POS and ATM
Most common

Track 2 β€” 75 bpi

40 numeric characters at 75 bits-per-inch, 5-bit encoding. The most widely used track β€” primary account number, POS, ATM and most loyalty systems.

ISO 7811 track 3 magnetic stripe encoding 210 bpi rewritable for hotel keys and hospitality systems
Rewritable

Track 3 β€” 210 bpi

107 numeric characters at 210 bits-per-inch. Historically used for rewritable data β€” hotel systems, internal balances and transport networks.

Multi-track magnetic stripe card combining tracks 1 2 and 3 for complex reader ecosystems
Combined

Multi-track encoding

Tracks encoded in combination β€” 1+2, 2+3, or all three. Required when the card transits across multiple reader systems with different expected track layouts.

Card options

Card configuration and combined features

Optional elements added to the card alongside the magnetic stripe β€” visible data for manual reference, signature verification, complementary encoding technologies and protective finishes for long-life daily use.

Magnetic stripe card combined with variable data printing numbering barcode QR code or variable text for per-card personalisation
Per-card personalisation

Variable data printing

Printed personalisation on each card alongside the magnetic encoding β€” sequential numbering, barcode, QR code or variable text fields from your data file. Useful when the same card must carry a visible reference matching the data encoded on the stripe.

Magnetic stripe card with adjacent signature panel for retail and member-facing identification
Identification

Signature panel

White writable panel placed above or below the stripe for cardholder signature β€” required when the card doubles as a member identification tool.

Hybrid magnetic stripe and contact chip card for dual-reader environments and legacy-system migration
Dual technology

Hybrid stripe + chip

Magnetic stripe combined with a contact chip or contactless antenna on the same card. Essential during legacy-to-modern reader migrations.

Magnetic stripe card with embossed raised cardholder name and number for bank style tactile personalisation
Variable data

Embossed numbering

Raised cardholder name, number or unique reference pressed into the PVC β€” the classic bank-card style tactile personalisation. Available with variable data (one card, one raised number) for member, customer or access card programmes.

Frequently asked questions

Your technical questions about magnetic stripe cards

Practical answers on coercivity, tracks, compatibility and data handling for technical buyers and system integrators.

How do i know whether to order Hi-Co or Lo-Co cards?

Two questions decide it. First, how often is the card reissued or re-encoded? If the card is rewritten frequently (hotel keys between stays, short-term access passes), Lo-Co 300 Oe is the right choice. Second, how exposed is the card to strong magnets in daily use (phone cases, magnetic wallet closures, other cards in a stack)? If exposure is high and the card is kept for months or years, Hi-Co 2750 or 4000 Oe is safer. For most retail, banking, transport and long-term access use cases, Hi-Co is the default.

Which ISO 7811 track do i need to encode for my system?

Track 2 is the answer in more than 80% of cases β€” POS, ATM, loyalty programmes, most retail swipe systems and legacy banking infrastructure all read track 2 as the primary data track. Track 1 is required when alphanumeric character data (cardholder name) must accompany the account number. Track 3 is used mostly by historical hotel, transport and internal balance systems. If you're unsure, share an existing working card and we read its tracks to confirm the exact structure before production.

Can you read an existing card to replicate its encoding?

Yes β€” this is one of the most common setup scenarios when a client wants to replace an existing batch. Send us a working legacy card (or a magnetic dump of it) and we extract the track structure, character format, start and end sentinels and coercivity to reproduce the same encoding on new cards. Useful for hotel chains, parking operators and transport networks replacing worn batches without reissuing the system configuration.

What data format should the encoding file use?

A CSV or Excel file with one row per card and one column per track works best. Each track field contains the full raw data for that track, including start and end sentinels if your reader expects them. Special characters such as field separators must be represented with their ISO 7811 equivalents. If your system documentation doesn't specify the exact format, send us a working card and we reverse-engineer the structure to build the data file correctly.

Can magnetic stripe cards be combined with chip or contactless technology?

Yes, and this is a common requirement during reader migration projects. We produce hybrid cards carrying a magnetic stripe on the back, a visible contact chip on the front, and optionally a contactless antenna inside the card body. The same card works on both the old magnetic swipe infrastructure and the new chip or contactless readers β€” useful for phased system upgrades where both generations of equipment must be supported.

Are the cards tested before they leave production?

Every single card is encoded and then read-verified against the source file before packing. Any card that fails read-back is automatically rejected and reprinted. The process is fully automated β€” it eliminates the risk of a batch arriving with undetected unreadable cards, which is the most common failure mode on magnetic stripe orders from lower-spec producers.

How should magnetic stripe cards be stored and shipped?

Cards are packed with a specific stacking method (stripe-to-back) that prevents magnetic field interference between neighbouring cards during transit. Avoid storing finished cards near strong magnets, magnetic clasps or bulk demagnetisers. Once in use, a Hi-Co card is generally unaffected by standard consumer magnetic sources (phones, handbag clasps, wallet covers). Lo-Co cards are more sensitive and should be handled with awareness of that.

Are magnetic stripe cards still relevant given chip and contactless alternatives?

Yes, in several specific contexts. Legacy POS systems, older hotel room-key infrastructure, regional transport networks and many internal access systems still run on magnetic stripe reading β€” replacing the hardware is often significantly more expensive than continuing to issue stripe cards. Magnetic stripe also remains useful as a fallback channel on hybrid cards, and as the encoding of choice where the card must be rewritten frequently (Lo-Co). For new deployments on modern infrastructure, smart cards are usually the better choice.

Can you design the card if we don't have print-ready artwork?

Yes. Two design routes alongside print-ready file orders. Template adaptation β€” share your hotel, transport or access programme identity, the encoding requirements and any back-of-card information (terms, instructions), and we adapt a magnetic stripe card template to your brand. Full custom design β€” our designers create the card from scratch with the magnetic stripe zone, signature panel and variable data positioning correctly handled. Both options are quoted alongside the print order.

Who uses magnetic stripe cards

Sectors where magnetic stripe remains the standard

Despite chip and contactless alternatives, magnetic stripe is still the daily workhorse across specific industry verticals.

Hotels & hospitality

Hotel room keys using Lo-Co for frequent re-encoding between guests. Spa, restaurant and resort access cards sharing the same stripe infrastructure.

Parking & access

Parking entry and exit cards, staff access passes and vehicle permits for car parks, office buildings and logistics sites.

Legacy POS & retail

Retail chains and loyalty programmes running on long-established POS terminals where the stripe is the reliable reading channel.

Transport & internal systems

Regional transport networks, corporate canteens, internal balance systems and staff tracking β€” all frequently maintained on magnetic stripe.

Custom magnetic stripe card printing

Magnetic stripe cards engineered for reader compatibility

A magnetic stripe card is defined first by the reader it must work with β€” not by the design printed on it. Every specification decision (coercivity, tracks, character format, start and end sentinels) is driven by the equipment on the receiving end. Lumacards produces magnetic stripe cards at ISO 7810 format (85.6 Γ— 54 mm, 0.76 mm PVC) with full ISO 7811 encoding support: Hi-Co 2750 or 4000 Oersted for long-life and banking-grade use, Lo-Co 300 Oersted for rewritable applications such as hotel room keys. Tracks 1, 2 and 3 are encoded independently or in combination, with automatic read-verification of every card before packing.

Most magnetic stripe orders follow one of two scenarios. The first is replacing an existing worn batch while keeping the encoding identical β€” we read the client's legacy card, extract the track structure and reproduce the same data format on new cards. The second is a new deployment where we help specify the right combination of coercivity, track layout and data format based on the reader model and expected usage frequency. In both cases the card can be combined with complementary technology on the same body: a contact chip for secure authentication, a contactless antenna for smart card migrations, or a printed photo and member number for membership and loyalty systems. Hybrid cards are particularly useful during phased infrastructure upgrades where both generations of reader must be supported during the migration window.

Ready to order your magnetic stripe cards?

Get a tailored quote within 24 hours β€” from 100 cards, Hi-Co or Lo-Co encoding, read-verified before dispatch.