OfflineTransaktion

OfflineTransaktion refers to a payment or financial transaction that is initiated when the device or network cannot reach the issuer or payment processor at the time of the sale. The transaction data is stored securely on the terminal, card, or digital wallet and is transmitted later for online authorization and settlement.

In practice, an offline transaction is typically allowed within a defined offline risk limit or floor limit set by the card issuer or payment scheme. If the amount falls within this limit and device security requirements are met, the transaction can be approved offline by the issuer without immediate connectivity. When connectivity returns, the stored transactions are uploaded for online authorization, fraud checks, and final settlement.

Common use cases include point-of-sale terminals in environments with unreliable network access, remote locations, transit hubs, or during outages. Offline processing helps avoid service interruptions but shifts risk toward the issuer or merchant, since offline approvals are not guaranteed to be reconciled in real time. If offline authorization is not granted, the merchant may need to reprocess the payment once online or apply alternative payment methods.

Security and governance are critical for OfflineTransaktion. Transactions must be protected with encryption, secure storage, and tamper-resistant devices. Compliance frameworks such as PCI DSS govern data handling, audit trails, and device integrity. Liability for disputes or fraud related to offline transactions is typically defined in card network rules and merchant agreements, balancing merchant convenience with risk management for issuers and networks.