Hard decline
invalid_expiry_month
Expiration month is invalid
What it means
A hard decline means the card cannot be charged again as-is. The customer has to update their payment method before a retry has any chance of succeeding.
Is it retryable?
Not worth retrying automatically until the card is updated.
How churnguardian handles it
churnguardian stops automatic retries and emails the customer a one-click link to update their card, so recovery happens as soon as they act.
Other hard decline codes
churnguardian recovers failed Stripe payments automatically — decline-aware retries, branded emails, and one-click card updates. See pricing →