Stripe decline code
expired_card
The card on file has passed its expiration date and can no longer be charged.
Primary source: Stripe’s official decline codes reference
Why it happens
- The card reached its printed expiry month/year.
- The bank reissued the card with a new number or expiry.
- The saved card was never updated after a renewal.
Should you retry it?
No — the customer must update their card
Retrying the same expired card will keep failing. The customer must add a current card before the payment can succeed.
How to recover it
Send the customer a secure card-update link so they can add a valid card. Don't spend retries on the expired one.
Retrying won't fix this code — the customer has to act. Recoverly's approve-first sequence emails the customer a Stripe-hosted payment page where they can update their card in one click. Recoverly never charges or retries cards itself.
See how much failed-payment revenue you can recover
Connect Stripe (we only read) and Recoverly shows your recoverable revenue in 30 seconds.
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Written by the Recoverly team · Published June 25, 2026 · Last reviewed July 17, 2026
Recoverly finds invoices Stripe’s retries left unpaid and — with your approval — sends payment-update emails, then verifies what actually came back. This page is informational and not affiliated with Stripe.