---
title: "Two clocks, one card: the expiration math your program needs to know"
description: Your card has a shelf life — here's the countdown
---

[Skip to content](https://support.reloadly.com/your-card-has-a-shelf-life-heres-the-countdown#main-content)

English

Show submenu for translations

[Customer portal](https://support.reloadly.com/portal?hsLang=en)

[![light bg (1)](https://support.reloadly.com/hs-fs/hubfs/light%20bg%20(1).png?width=250&height=121&name=light%20bg%20(1).png)](https://www.reloadly.com/)

Open main navigation

Close main navigation

- English
  
  Show submenu for translations
- [Customer portal](https://support.reloadly.com/portal)
- Go to reloadly.com

 Go to reloadly.com

 Help Center

- There are no suggestions because the search field is empty.

1. [Help Center](https://support.reloadly.com/?hsLang=en)
2. [Swype](https://support.reloadly.com/swype?hsLang=en)
3. [I'm a Business Partner](https://support.reloadly.com/swype?hsLang=en#im-a-business-partner)

# Two clocks, one card: the expiration math your program needs to know

|  | swype |
| --- | --- |

 

| CARD TYPES & ISSUANCE  •  EXPIRATION ## How card expiration works on Swype Every card has a defined expiration, visible in the dashboard. As Account Owner, you're responsible for monitoring it across your Authorized Users — here's the full mechanics. |  |
| --- | --- |

| AUDIENCE Account Owners | MAX VALIDITY 3 years | INACTIVITY TRIGGER 90 days |
| --- | --- | --- |

**Summary:** All Swype cards have a defined expiration date, visible in the dashboard and card details. Cards expire after 3 years from issuance or 90 days after the last transaction — whichever comes first. Unactivated card links expire after 60 days. Unused balances on expired cards are forfeited and permanently unrecoverable.

| ① | ### The expiration mechanics |
| --- | --- |

 Card validity is governed by three independent expiration triggers — whichever occurs first applies:

| Fixed term Cards are valid for up to 3 years from issuance unless otherwise specified in the Cardholder Agreement. | Inactivity clock A card expires 90 days after its last activity, even if the 3-year term hasn't elapsed yet. |
| --- | --- |

 On top of both, an unactivated card link expires after 60 days from issuance if the Authorized User never completes activation — that card never enters the 3-year or 90-day clocks at all.

| ② | ### What happens to the balance on expiration |
| --- | --- |

 This is the part with real financial impact for your program:

| ● | Upon expiration, unused funds associated with the card are forfeited and become permanently unavailable to the Authorized User |
| --- | --- |
| ● | Account Owner carries responsibility for ensuring cards are activated and used before expiration — Swype is not responsible for funds lost to inactivity |
| ● | If a card has a positive balance at expiration and the Agreement is not in default, a replacement card may be issued. Cards with no remaining balance may also be reissued at Swype's discretion. To request reissuance, contact support. |

| ③ | ### What this means for managing your program |
| --- | --- |

 As Account Owner, expiration monitoring isn't automatic on your behalf beyond what's visible in the dashboard. In practice:

| ● | **Check expiration dates per card** — visible in each card's detail view alongside the last 60 days of transaction history. Navigate to a card in the dashboard to see its exact expiration date. |
| --- | --- |
| ● | **Track activation links separately** — an unactivated link expires after 60 days, meaning any funds intended for that card become inaccessible to the Authorized User |
| ● | **Flag dormant Authorized Users** — a cardholder who stops transacting is on a 90-day countdown you may want to intervene on before funds are forfeited |
| ● | **Plan reissuance into your funding cadence** — if your program relies on recurring funding cycles, factor card expiration into the same workflow as non-reloadable card replacement |

|  | Important Forfeited balances are not recoverable after expiration. If your program holds material balances on dormant cards, build a proactive check into your operations rather than relying on end users to notice their own card is approaching expiration. |
| --- | --- |

Need to review expiration across your program?

We can help you think through reissuance and dormancy monitoring for your specific use case.

[Contact Support →](https://dashboard.swype.cards/help/raise-ticket)

 

- [Start Here](https://support.reloadly.com/start-here?hsLang=en)
- [Swype](https://support.reloadly.com/swype?hsLang=en#main-content)

    - [I'm a Business Partner](https://support.reloadly.com/swype?hsLang=en#im-a-business-partner)
    - [I'm a Cardholder](https://support.reloadly.com/swype?hsLang=en#im-a-cardholder)
- [Test Mode](https://support.reloadly.com/test-mode?hsLang=en)
- [Wallet](https://support.reloadly.com/wallet?hsLang=en)
- [Security](https://support.reloadly.com/security?hsLang=en)
- [Roles](https://support.reloadly.com/roles?hsLang=en)
- [Airtime Pricing](https://support.reloadly.com/airtime-pricing?hsLang=en)
- [Topups](https://support.reloadly.com/topups?hsLang=en)
- [Perq Rewards](https://support.reloadly.com/perq-rewards?hsLang=en)
- [Gift Cards](https://support.reloadly.com/gift-cards?hsLang=en)
- [Sales](https://support.reloadly.com/sales?hsLang=en)
- [Reports](https://support.reloadly.com/reports?hsLang=en)
- [Promotions](https://support.reloadly.com/promotions?hsLang=en)
- [Rest API](https://support.reloadly.com/rest-api?hsLang=en#main-content)

    - [Developer Questions](https://support.reloadly.com/rest-api?hsLang=en#developer-questions)
    - [Troubleshooting](https://support.reloadly.com/rest-api?hsLang=en#troubleshooting)
- [Frequently Asked Questions](https://support.reloadly.com/frequently-asked-questions?hsLang=en)
- [Partnership](https://support.reloadly.com/partnership?hsLang=en)

# Reloadly

reloadly.com Help Center

Copyright © 2026, Reloadly