3 pages

EMV

May 19, 20269 min read

When the Issuer Goes Down: STIP, EMV Offline, and Authorization Continuity

When an issuer or its processor drops offline, the POS does not always get a clean decline. The card scheme may stand in and approve or decline on the issuer’s behalf. The …

Feb 28, 20265 min read

Offline EMV vs Store-and-Forward: Two Different Mechanisms, One Confusing Name

When a POS has no connectivity, merchants still need to accept payments. The industry uses terms like “offline transaction” and “offline processing” loosely …

Feb 21, 20268 min read

L3 Certification Paths Are Not Created Equal: C-TAP, SmartPOS, and SoftPOS

When people talk about “L3 certification,” they often treat it as a single, uniform process. It isn’t. EMV Level 3 focuses on validating integration of the …