ToolerCat / Decline Codes / Decline code 54 — Expired card

Decline code 54 — Expired card

Expired card. Ask for updated card details. Check the expiry you send (MMYY vs YYMM is a common bug).

ISO 8583 response code 54.

Code

54 ISO 8583

Meaning

Expired card

Type

hard decline

Retry?

No (new expiry needed)

What to do

Ask for updated card details. Check the expiry you send (MMYY vs YYMM is a common bug).

Tell the customer

“Your card has expired.”