Scenario:
Shoppers who possibly used an expired credit card will not be able to place their orders in the webstore. The only way to checkout is to update the card’s expiration date.
Solution:
Navigate to Commerce > Web Site > Web Site List
Click Edit on the web site you need to change and navigate to Shopping tab
In the Payments Page section, set DISPLAY ‘SAVE MY CREDIT CARD INFO’ = T
With this, shopper will be able to update the new expiration date of the credit card and they will be re-enabled to place an order in the web store.