Sometimes, even with the best efforts, card acceptance is an obscure science that only field experience and digging into the different card brand specifications can provide the correct knowledge to understand the behavior in front of you.
This knowledge base is there to help support when a Card is not being accepted as expected.
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On Arkos/Atheos, the configuration should be checked to ensure that an E3 Entry is present for this RID / Key Index combination.
If you are using a personal card on a dev terminal, you probably don’t have the production keys.