Offline Processing
Transactions are processed online by default, but offline payment processing happens when there is no network connection available. If the transaction can’t be authorized in real time due to a connection issue, the card and transaction details are stored on the payment device and when the connection is restored, the transaction is automatically processed.
Offline payment processing is supported for some platforms and availability may vary depending on the platform’s ability to process transactions when there is no connectivity. The following table shows the availability of offline processing.
| Platform | Offline Processing Availability |
|---|---|
| Oracle Simphony | Yes |
| Oracle Hospitality OPERA Cloud Services 23.4 | No |
| Oracle Retail Xstore POS | Yes |
Customers are unaware of offline transactions, they are not shown any messages about an offline transaction. This prevents potential malicious behavior, like using a fraudulent card. When the terminal comes back online, the transaction is automatically processed in the background, with the priority given to new transactions performed online.
An average of 10,000 transactions can be stored offline until the network connection is available.
Risks of Offline Processing
-
If there are not enough funds in the customer’s bank account, the transaction is declined when the network connection is restored due to insufficient funds.
-
Oracle Payment Cloud Service does not provide the same level of fraud detection for offline processing. For example, if a stolen card is used or declared lost by the card owner, those checks are performed online and can’t be performed in the moment if the device is offline. This can lead to accepting fraudulent payments.
-
If a fraudulent payment is accepted (while offline), then the loss of transactions funds occurs.
How to Update Offline Payment Processing Settings
During the implementation of Oracle Payment Cloud Service you can update the following features:
-
Disable offline payment processing.
-
Change the default offline processing limit amount, which is set to $1,000.
These features are part of the terminal settings. To request changes after Oracle Payment Cloud Service has been implemented, you can make a request through Oracle Support.
Parent topic: Payment Terminals