In many cases, Stripe automatically updates maps: https://stripe.com/blog/smarter-saved-cards .
Otherwise, there is no way to verify that the saved card is still valid and is not trying to charge it. But you should not try to create fees to check whether the card is still valid - the rules of credit card networks and Stripe own ToS prohibit the creation of fees that are not intended for the actual sale of goods or services.
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