A partial approval is not a decline and not a completed sale. ISO 8583 response codes and amount fields must be read together — and the terminal must not show a green APPROVED …
Online vs Offline EMV Transactions: Why Offline Still Matters In EMV payments, “online” and “offline” do not mean secure and insecure. They describe where the transaction decision …
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 …
Three words every payment professional uses — and confuses. Each lives at a different point in the settlement lifecycle, under a different protocol, with radically different …
Every card-present transaction begins with a question the terminal must answer before anything else: is this card genuine?
A card payment feels instantaneous. The system behind it is not.
The POS terminal has quietly become critical financial infrastructure — and most architects are still designing it like a payment endpoint.
EMV authenticates the card. PIN still helps authenticate the cardholder.
PCI PTS classifies devices at the hardware level. But Visa and Mastercard classify transactions at the message level. No scheme inspects the physical terminal to determine whether …
When a POS has no connectivity, merchants still need to accept payments. The industry uses terms like “offline transaction” and “offline processing” loosely …