What happens when your card expires? Expiry dates, new cards and subscriptions
By SendPay Business · · 2 min read
- 1Your card appears in your app
- 2Tap it to pay in a shop
- 3See every payment as it happens
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.
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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, powered by licensed partners.
How it works
Your own money app- 1Name it and pick your colours
- 2Choose what it does
- 3Launch when you are ready
Why sign up
Create your free SendPay account
It's all about creating your own financial platform with ease. Start with a free account today.
- 🪪A free business accountOpen it in about a minute with your business name, email, password and mobile. No card and no documents to start.
- 💳Get paid from day oneTake card payments, and share your own payment link and invoices so customers pay in a click.
- 🌐A free business websiteFree to build, free to publish and free to keep, with unlimited visits.
- 🚀Your own financial platformDesign and preview your whole platform free, then launch when you are ready.
SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.
Questions people ask
What could issuing my own cards earn?
Work out card issuing profit from your own customers and fees.
Card issuing profit calculator →How many card payments fail each month?
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Spotted a mistake or something out of date? and we'll fix it. How our guides are made
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. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.