Publication Date: April 2016

• Download the white paper

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 http://www.emv-connection.com/us-payments-forum/

Please note: The information and materials available on this web page (“Information”) is provided solely for convenience and does not constitute legal or technical advice. All representations or warranties, express or implied, are expressly disclaimed, including without limitation, implied warranties of merchantability or fitness for a particular purpose and all warranties regarding accuracy, completeness, adequacy, results, title and non-infringement. All Information is limited to the scenarios, stakeholders and other matters specified, and should be considered in light of applicable laws, regulations, industry rules and requirements, facts, circumstances and other relevant factors. None of the Information should be interpreted or construed to require or promote the establishment of any solution, practice, configuration, rule, requirement or specification inconsistent with applicable legal requirements, any of which requirements may change over time. The U.S. Payments Forum assumes no responsibility to support, maintain or update the Information, regardless of any such change. Use of or reliance on the Information is at the user’s sole risk, and users are strongly encouraged to consult with their respective payment networks, acquirers, processors, vendors and appropriately qualified technical and legal experts prior to all implementation decisions.