How Does Recurly Charge an Expired Credit Card?

Recurly uses a process called continuous authority to charge an expired credit card, provided the member's bank supports this functionality.

Here’s how it works:

When a card expires, continuous authority allows Recurly to continue processing payment on it by submitting a future expiration date with the transaction. This process is successful under one key condition: the bank reissues a new card with the same card number but a new expiration date.

However, if a card is canceled and a new one is reissued with a new card number, continuous authority will not work, as the card details we have on file are no longer valid.