Add a checkbox labeled "Ignore past expiration dates" to the "Edit Payment Processing Account" screen, visible only when "Allow tokenization" is checked.
When enabled, expiration date will not be validated for tokenized payments processed with this account, so that items are not made Invalid during prepayment processing.

You will want to review your gateway's paid feature for
account updater. If the expiration date is not updated at the gateway, you will increase your decline rate.