The Pros and Cons of Offline Credit Card Processing

The Pros and Cons of Offline Credit Card Processing

Cash has been challenged, if not outright supplanted, by other payment methods, such as credit and debit cards. In fact, people prefer using debit and credit cards (in that order) over cash. In recent years, mobile wallets have also begun crowding the payment scene. Payment technology is continuously developing to improve the payment process.

However, no payment method is perfect. One of the advantages cash has over other payment methods is that it doesn’t require internet access or even electricity. But that’s where offline credit card processing comes in!

During the process, the payer’s credit card is swiped through the reader as usual. However, the payment isn’t immediately approved or rejected. Instead, the account details are encrypted and held in the payment processor. Once you’re back online, the payment is processed. Sometimes this is necessary, and it does have some advantages, but there are some salient reasons it’s generally avoided. Here are the pros and cons of offline credit card processing.


Power outages can occur at any time, and everyone doesn’t have a generator on standby. Even if you have a generator, it’s not the only factor that could limit your access to the internet. Offline credit card processing lets you make payments without power or internet access, so it’s convenient for you and the customer.

Offline credit card processing is particularly useful for mobile services and activities. For instance, if you’re an electrician or plumber, you can charge for your services wherever you are. Offline credit card processing is also useful if you’re selling in places with unreliable internet.


Where offline credit card processing isn’t necessary, there are some strong reasons to never use it. Offline credit card processing means the transaction is approved after the customer leaves with the goods. This can cost the business, especially if you’re processing multiple transactions offline. This isn’t problematic if the transaction is approved, but there’s no guarantee that the payment will be approved. If the payment is rejected, you’ve lost revenue.

Offline credit card processing isn’t advisable in any scenario in which it isn’t a necessity. A standby generator can help out with this. In the meantime, assess your POS system. Once you do, contact us, at UIC, for advance payment terminals and secure payment processing solutions. We offer unattended payment systems, mobile payment devices, PIN pad payment devices, and more.

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