V
Worldpay from FIS (Vantiv)Vantiv 320
Invalid Expiration Date
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The card expiration date provided is invalid.
Recommended Action
Ask the customer to verify and re-enter their card expiration date.
Common Causes
- Incorrect date format
- Expiration date does not match issuer records
Recovery Tips
- Implement client-side expiry date validation
- Send a dunning email requesting updated card details
Quick Reference
Code
320
Category
Hard Decline
Retryable
No
Source
Vantiv
Recoverability verdict
Retrying 320 will not work
This is a hard decline. Retrying code 320 will not recover the payment. But most merchants seeing this code also have soft declines they are not recovering. Check what your retry strategy is leaving behind.
Related Decline Codes
229Non-Retryable
Illegal Transaction
The transaction would violate applicable law or regulation.
340Non-Retryable
Invalid Amount
The transaction amount is invalid — it may be too high, too low, or above the merchant's transaction limit.
555Non-Retryable
Suspected Fraud
The issuing bank declined the transaction as suspected fraud.
226Non-Retryable
Incorrect CVV
The transaction was declined because it was submitted with an incorrect security code (CVV2/CID).