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one is reissued with a new card number, continuous authority will not work, as the card details we have on file are no longer valid.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