Expired Card
What This Means
The customer's card has passed its expiration date and the issuing bank will no longer authorize transactions on it. This is a predictable decline that SaaS businesses can proactively prevent by monitoring card expiration dates and prompting customers to update their payment details before renewal.
Retrying will likely fail again. The customer needs to update their payment method or contact their bank.
Common Causes
- 1Customer received a replacement card but never updated the payment method on file
- 2Card naturally expired and the customer forgot to update subscription billing details
- 3Bank reissued a card with a new expiration date due to a security event
Recovery Tactics
- 1Send pre-expiry reminders 30, 14, and 7 days before the card expires
- 2Use Stripe's automatic card updater to pull updated card details from the network
- 3Prompt the customer in-app to update their payment method with a clear call to action
How healthy is your Stripe account?
Get a free churn health report. Find pending cancellations, failed payments, and expiring cards putting your MRR at risk.
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FAQ
Can Stripe automatically update expired cards?
Yes. Stripe supports automatic card updating through the card networks (Visa Account Updater, Mastercard ABU). When a bank issues a replacement card, Stripe can often retrieve the new card details automatically, though this does not work for all issuers or card types.
How far in advance should I warn customers about expiring cards?
Send the first reminder 30 days before expiration, followed by reminders at 14 and 7 days. This gives customers ample time to update their details without feeling pressured.
How healthy is your Stripe account?
Get a free churn health report. Find pending cancellations, failed payments, and expiring cards putting your MRR at risk.
Run Free Audit