Offline authorizations work for contactless transactions that are below the offline floor limit, which is card dependent (currently £0 for Visa, £0 for Mastercard and Maestro). Contact transactions in the UK can be authorized offline depending on your acquirer/processor. These days, floor limits are only allowed for specific Merchant Category Codes (MCC) therefore it is unlikely for the floor limits to be changed to > £0.
To enable Offline Support:
Deferred Authorizations are supported with our ChipDNA Mobile solution in Europe/USA with the latest release of 1.19.3 and Windows/Linux solution in 2.02+. For more information, please see below.
Offline transactions are processed as Deferred Authorizations (also known as Store and Forward). This occurs when an online authorization could not be performed due to connectivity issues, at which point ChipDNA will prompt the merchant to accept a deferred authorization at the merchant's own risk. The integration will receive a callback allowing you to approve/decline the Deferred Authorization depending if you're happy for the transaction to proceed. Deferred Authorizations will then need to be confirmed within 24 hours. Any Deferred Authorizations that do not reach our platform within this 24 hour period will be discarded when using our ChipDNA Windows, Linux or Mobile solutions. This is a card scheme requirement.
To enable Deferred Authorizations:
- Send a TMS Request to firstname.lastname@example.org requesting deferred authorization support with the following information:
- Offline Volume Limit (0 - unlimited)
- Offline Amount Limit (0 - $5000)
For more information on how to implement deferred authorization please refer to the Knowledge Garden articles below: