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Clover Decline Code: Card Expired: Card Expired - Quick Fixes & Solutions

Card expiration catches everyone off guard sometimes. It's easy to forget when your card expires, especially when you have multiple cards. Help your customer without making them feel embarrassed.

Quick Fixes to Try Right Now

1

Check for Updated Card

Ask if the customer has received their replacement card.

2

Verify Expiration Date

Double-check the date - sometimes it's misread or the card reader is dirty.

3

Try Another Card

Request a different payment method.

4

Digital Wallets

Apple Pay and Google Pay may have updated card information even if the physical card is expired.

Still Having Issues? Compare Your Options

Feature Clover CapClover
Customer Support Long hold times, unresponsive Your assigned rep's direct line
Business Funding Limited or no options Up to $500,000
Approval Time Weeks or denied Same-day decisions
Hidden Fees Frequently reported Transparent pricing
Contract Terms Early termination fees Flexible terms

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Frequently Asked Questions

What does Card Expired mean on Clover?
Card Expired means the card's expiration date has passed. The card is no longer valid for transactions until a replacement is activated.
Why didn't my customer get a new card?
Banks typically mail replacement cards 30-60 days before expiration. If they didn't receive one, they should contact their bank immediately.
Can I process an expired card?
No. Expired cards cannot be processed regardless of whether the account is still active. The customer needs their current card.