V
Visa Network Response Codes54
Expired Card
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The card's expiration date has passed, or the expiration date provided does not match the issuer's records. Updated card information is needed.
Recommended Action
Request updated card details from the cardholder. Use account updater services to automatically retrieve new card information.
Common Causes
- Card has passed its expiration date
- Wrong expiration date entered
- Card was reissued with a new expiration date
Recovery Tips
- Use Visa Account Updater to get new card details
- Prompt the customer to update their payment method
- Send a proactive card expiry notification before the expiry date
Quick Reference
Code
54
Category
Hard Decline
Retryable
No
Source
Visa
Related Decline Codes
04Non-Retryable
Pick Up Card
The issuing bank requests that the card be captured. The card is not necessarily fraudulent but the issuer does not want it used. No reattempts are permitted.
07Non-Retryable
Pick Up Card (Fraud)
The issuing bank requests that the card be captured due to suspected fraud on the account. No reattempts are permitted.
12Non-Retryable
Invalid Transaction
The transaction type is not valid or not supported for this card. The issuer will never approve this specific transaction. No reattempts are permitted.
14Non-Retryable
Invalid Account Number
The card number does not correspond to any existing account. The card may have been mistyped, or the account may no longer exist. Visa categories this as both 1 (never approve) and 3 (revalidate data).
Automate Payment Recovery for Visa
Slicker automatically handles decline codes like 54 by intelligently retrying at the optimal time based on the decline reason.