Join us at ChargebackXโ€”the world's first virtual chargeback conference. Register Now >

credit card mocks 04 11

Discover Reason Code EX Expired Card

Disputeโ€‹

Discover

Card Issuer Name

EX

Reason Code

Authorization

Category

Claim

The cardholder claims the transaction isn’t valid because it was processed after the expiry of their credit card.

Cause

  • The cardholderโ€™s card had expired before the transaction date.
  • The card was valid during the transaction date, but the merchant didnโ€™t process the transaction until after the cardโ€™s expiry.

Response

Cardholders and issuers have 120 days to file a dispute related to the claim against the merchant.
Merchants have 30 days to respond to the claim in dispute.

Steps to Prevention

  • Confirm the expiration date on every card.
  • Double-check the card expired card on all card-not-present transactions.
  • Seek authorization.
  • Never force transactions.
Justt

Written by

Justt

Explore

blog 6 1

Introducing ChargebackX: The Worldโ€™s First Conference Dedicated to Chargebacks

blog 12 1

Webinar Recap: Building Your Chargeback Management Team: Hiring, Structuring & Scaling for Success

blog-8

Chargebacks strategy in agentic AI e-commerce: why you should prepare today

Apply for this position

Justt
Powered by  GDPR Cookie Compliance
Privacy Overview

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.