Root Cause

• Expired card: The card has reached its expiration date and is no longer valid for transactions.
• Outdated saved card details: The payment attempt used previously saved card information that has since expired.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 entered: 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 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.