Offline transaction processing
Offline transactions are those your terminal approves without contacting the card issuer. The approved transactions are forwarded to the issuer at a later stage. Offline transactions are allowed for a number of reasons outlined below.
Certain transactions are considered low risk and do not need to be authorised online. Transactions in this category are known as off-host transactions. Below is a list of off-host transaction responses:
Y1 = offline approved
Z1 = offline declined
Y3 = unable to go online approved offline
Z3 = unable to go online and declined offline