[FireBeyond]

Except the banks have "helpfully" provided a service to merchants to tell them, "this card has expired, here is the new number to charge" (or expiry/CVV).

I remember getting into an argument with a bank teller about me wanting to block/dispute transactions and how they kept approving transactions. "But you have an agreement with the gym..." That's between me and the gym, not for you to facilitate on their behalf.

[Marsymars]

Obnoxiously that doesn't cover all the edge cases for consumers. Payments from my watch recently started failing with a generic "declined" error. After calling my bank I worked out that my credit card had been replaced some months ago in advance of a recent expiry - I updated my phone wallet at the time, but my watch's wallet didn't give any indication that it was trying to use an expired card.