Expired Card
The card has passed its expiration date and can no longer be used for transactions. The issuer has likely sent a replacement card with a new expiration date.
Why does code 54 occur?
- Card past its printed expiration date
- Replacement card issued but customer is still using old card details
- Incorrect expiry date entered at checkout (e.g., swapped month/year)
- Stored card credentials not updated after card renewal
Can this transaction be retried?
No, code 54 is a hard decline and should not be retried. The underlying issue is permanent and the same card details will continue to be declined. Ask the customer for an alternative payment method.
What merchants should do
Ask the customer to provide their new card details. If you store cards for recurring billing, use an account updater service to automatically receive updated expiry dates from card networks.
What cardholders should do
Check your card's expiration date printed on the front. If it has expired, contact your bank for a replacement card or check if one was already mailed to you.
Code 54 at a glance
Response Code
54
Name
Expired Card
Category
hard decline
Retryable
No
Related Decline Codes
Invalid Card Number
The card number (PAN) does not correspond to any known card in the issuer's system. The number may have been entered incorrectly, or the card may have been replaced with a new number.
Blocked — First Use
The card has been issued but not yet activated. Many issuers require cardholders to activate new or replacement cards before they can be used for transactions.
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Find a SWIFT codeDecline Code 54 FAQ
Frequently asked questions about decline code 54: Expired Card.