Wrong expiry being sent

This started about a month ago. When I use Apple Pay on my phone to make a tap purchase at a store, or use Apple Pay in-app to make a purchase, the wrong expiry date is being sent and the transaction fails. If I use the physical card, the transaction succeeds.

I've contacted VISA and they say the problem is on the Apple end, that the card is active and the correct expiry date is stored on the phone, but the one being sent is invalid.