Merchant Processing during Communications Disruption

Publication Date: April 2016

Many merchants have questions regarding how to process EMV chip transactions when communications are disrupted. “How do I process a chip transaction when online connectivity is temporarily not available? How do I capture transaction information when connectivity is disrupted? How do I approve and process a transaction without obtaining issuer authorization?” To answer these questions, the EMV Migration Forum has developed a white paper, “Merchant Processing during Communication Disruptions.”

The white paper discusses three processing options, including:

  • EMV offline authorization
  • Deferred authorization of an EMV card transaction
  • Force post of an EMV card transaction


About the EMV Migration Forum

The EMV Migration Forum is a cross-industry body focused on supporting the EMV chip implementation steps required for global and regional payment networks, issuers, processors, merchants, and consumers to help ensure a successful introduction of more secure chip technology in the United States. The focus of the Forum is to address topics that require some level of industry cooperation and/or coordination to migrate successfully to chip technology in the United States. For more information on the EMV Migration Forum, please visit

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