What should you do for declines due to outdated information for cards on file?

What should you do for declines due to outdated information for cards on file?

• A. Ask customers to update information or use a tool to automatically update expired card numbers.
• B. Automatically retry without user action.
• C. Block the card issuer.
• D. Disable stored cards.

Answer: (B)

Automatically retrying the payment after a decline caused by outdated card information is the right move because many of these declines are temporary or will be resolved as card details are updated in the background (for example, through network updates or a customer updating the card later). By letting the system retry automatically, you reduce lost payments and minimize friction for the customer, relying on Stripe’s smart retry logic to schedule subsequent attempts without requiring immediate action from the user. If retries continue to fail, you can then prompt the customer to update their payment method. Choosing to ask customers to update information right away can add friction and slow revenue recovery. Blocking the card issuer or disabling stored cards remove a payment option and are not appropriate first responses to a delay caused by outdated information.

Automatically retrying the payment after a decline caused by outdated card information is the right move because many of these declines are temporary or will be resolved as card details are updated in the background (for example, through network updates or a customer updating the card later). By letting the system retry automatically, you reduce lost payments and minimize friction for the customer, relying on Stripe’s smart retry logic to schedule subsequent attempts without requiring immediate action from the user. If retries continue to fail, you can then prompt the customer to update their payment method.

Choosing to ask customers to update information right away can add friction and slow revenue recovery. Blocking the card issuer or disabling stored cards remove a payment option and are not appropriate first responses to a delay caused by outdated information.