Your card reader will reject transactions (decline) when an incorrect or expired CAPK is used. The keys come from the Certification Authority Public Keys (CAPK), and they expire periodically. Chip cards contain the issuers private keys which need to be verified by the card issuer’s public keys during online authorization requests. Getting a VeriFone EMV Vx520, FD55, Vx510, Vx570 CAPK expired error message? Visa has extended the EMV key’s expiration date from to 2022, and the terminal must be updated.
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