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 are valid for up to 3 years and expire 90 days after the last activity, whichever comes first. Unused balances on expired cards are forfeited per issuer rules.

①

The expiration mechanics

Card validity follows a "whichever happens first" rule between two independent clocks:

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:

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Upon expiration, unused funds associated with the card are forfeited and become permanently unavailable to the Authorized User

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Account Owner carries responsibility for ensuring cards are activated and used before expiration — Swype is not responsible for funds lost to inactivity

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If a card has a positive balance at expiration and the Agreement isn't in default, a new card may be issued; expiring cards with no funds may also be reissued at our discretion

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:

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Check expiration dates per card — visible alongside the 60-day transaction history on the dashboard

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Track activation links separately — an unactivated link expiring at 60 days means a card never funded never gets used at all

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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

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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 →