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Credit card offline payments

During offline mode, you can still take credit card payments, as follows:

  • You can take swipe payments.

  • You can take quick-chip EMV payments. A quick-chip EMV payment has the card reader only check that it is a valid card application.

  • You cannot take full EMV payments. A full EMV payment has the card reader first check that it is a valid card application, then check with the card networks that the person has enough money for the transaction.

This means that if the device has an eDynamo or BBPOS card reader, it can take swipes or dips in offline mode.


Toast strongly recommends that tablets that have taken offline payments be brought back online within three days, preferably within 24 hours. This is because as the time between payment acceptance (such as a swipe) and authorization increases, the risk of chargeback rises.

When you process a credit card payment in offline mode, the Toast platform takes the credit card information, encrypts it, and stores it on the device. When the device is back online, the system sends the stored credit card information to the credit card networks for authorization.


There is a risk associated with taking offline payments because they cannot be verified until the internet connection is restored. This means that it is possible for an offline payment to be denied when your system goes back online. Please be aware that you are responsible for any declined, expired, or disputed payments while operating in offline mode. If this is a concern for you, you should disable credit card transactions during offline mode.