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CAP / DPA Calculator

Generate EMV Chip Authentication Program (CAP) and Dynamic Passcode Authentication (DPA) OTP tokens — Option A derivation with Session Key, ARQC, and IPB masking

🔐 Input

Double-length 3DES ICC Master Key (UDK). Spaces are allowed.

Current ATC value used for session key derivation.

Card Risk Management Data Object List 1 data used in MAC input.

Issuer Application Data appended to MAC input.

Used to mask the Generate AC response for OTP extraction.

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UDK Calculator

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🔏

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Generate and verify ARQC/ARPC EMV cryptograms
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Encrypt and decrypt hex data using Single DES and Triple DES
📖 About This Tool

What is the CAP / DPA Calculator?

The CAP/DPA Calculator computes EMV Chip Authentication Program (CAP) tokens and Dynamic Passcode Authentication (DPA) values used for online banking authentication and secure code generation.

🛠️ How to Use
  1. Enter the ICC Master Key.
  2. Enter the ATC, CDOL1, IAD, and IPB.
  3. Click Calculate to generate the CAP token.
❓ FAQ

What is CAP?

CAP (Chip Authentication Program) is an EMV-based scheme used by banks for online authentication. It generates a one-time passcode from the chip card cryptogram that the cardholder enters for transaction verification.

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