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Learn about Payment Processing

Offline versus Real-time Processing

If you are not familiar with the difference between offline and real-time processing, this page will give you a basic understanding of each.

Offline Processing

Offline processing refers to the fact that your equipment has to connect to the payment network each time you make a sale.  This is commonly done by dialing-up and going through an initialization process each time a sale is made - adds around 14 to 20 seconds for processing time.

Examples of offline processing are: Dial-up Terminals, some PC Payment Software.

Real-time Processing

When your equipment is constantly connected to the processing network, it is referred to as real-time processing.  Commonly, the equipment is connected with a secure, high-speed connection, so there is no initialization process.  It is fastest way to process payments.

Examples of equipment that provide real-time processing are: Internet Gateway, IP-enabled Terminals, PC Payment Software.

To understand the different methods of accepting payments, see the following: