What happens when your card expires? Expiry dates, new cards and subscriptions
By SendPay Business · · 2 min read
Every payment card carries an expiry date, shown as a month and year. The card keeps working until the end of that month, and most card providers send a replacement before it runs out.
Why cards expire
- The chip and magnetic stripe wear with use.
- A new card lets the provider bring in newer security features.
- An expiry date gives a regular point to check the account is still active.
The exact cut-off
A card showing 09/27 works until the last day of September 2027. From the first day of the next month, payments using it will be declined.
Subscriptions and saved details
The new card usually has the same long number but a new expiry date and security code. Visa and Mastercard both run updater services that can pass new details to shops that take part, but not every merchant uses them, so check your regular payments and update any that fail.
Where SendPay fits
SendPay platforms let you issue branded Visa cards to your customers, virtual cards from 20p each and physical cards from £4 each before shipping, powered by licensed partners.
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This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. PayPal, Patreon and Substack are named as reference points only and are not affiliated with SendPay Business.