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 …
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 …
A card payment feels instantaneous. The system behind it is not.
When a POS has no connectivity, merchants still need to accept payments. The industry uses terms like “offline transaction” and “offline processing” loosely …