Description

The payment failed because the card has expired or the expiration date on file has passed. This error occurs when the card's expiry date has been reached, saved card details are outdated, or the customer entered an incorrect expiration date.

Recommended Customer Message

Your payment could not be processed because this card has expired. Please update your card details or use a different payment method.

Root Cause

• Expired card: The card has reached its expiration date and is no longer valid for transactions.
• Outdated saved details: The payment attempt used previously saved card information that has since expired.
• Issuer rejection: The issuing bank declined the transaction due to the card's expired status, even though the date appears correct.
• Incorrect expiration date: The customer entered an incorrect expiration month or year.

Troubleshooting and Solutions

• Encourage customers to update their saved payment methods to avoid failed transactions.
• Implement client-side validation to prompt users if an expired date is entered before submission.
• If the card is expired, ask the customer to enter a new or updated card to complete the transaction.
• Verify and correct the expiration date entered during checkout.
• Ensure error messages clearly guide users to check their card's expiration date.