Read Credit/Bank card details via NFC

andrea-al2tech · ‎2025-09-23

Hi,

for a project we are evaluating we need to read bank/credit card data via NFC (Number, expire date, ccv/cvv) to record when people are accessing a gate and when are leaving; similar to the underground gateways that could be accessed with credit cards directly.

Could we do it with any of the ST25 NFC readers (e.g. ST25R3916B)?

As we do not have to process any payments could we get the credit card data simply using the reader functionalities or do we need any additional software components? (Beside the rfal middleware).

Kind Regards,

Andrea

Andrew Neil · ‎2025-09-23

The CCV/CVV is not stored on the card:

https://stackoverflow.com/questions/60159510/possible-to-read-cvv-code-with-an-nfc-reader

A complex system that works is invariably found to have evolved from a simple system that worked.
A complex system designed from scratch never works and cannot be patched up to make it work.

Brian TIDAL · ‎2025-09-23

Hi,

Sensitive data are protected by card security mechanisms. Public data can be read using standard ISO 7616 commands. See https://stackoverflow.com/questions/23107685/reading-public-data-of-emv-card.

Rgds

BT

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erna23 · ‎2025-09-23

Yes, the ST25R3916B can communicate with contactless payment cards at the RF level.

No, you cannot just “get the card number expiry CVV” with only RFAL; you’d need an EMV L2 software stack, which isn’t provided in STM32Cube or ST25 SDK.

And practically, you should not try to use bank card data this way due to compliance/security restrictions. For access control, use NFC cards tags designed for ID/badging (MIFARE, ST25TA, etc.), not payment cards.