When Worldpay returns decline code 33, it means: expired card. This is classified as a hard decline in the CardExpired subcategory. This type of decline usually requires direct customer action to resolve.
LostChurn automatically checks for updated card details via network Account Updater. If no update is available, we send a pre-dunning email with a one-click payment update link, recovering up to 40% of expired card declines.
Do not retry the same card details. Trigger Account Updater check first, then send a payment update email. Wait 0 hours between outreach attempts. Maximum 0 contact attempts over 14 days before marking as churned.
LostChurn detects 33 declines in real time and applies the optimal recovery strategy — no manual intervention needed.
