Mobile card readers promise fast and easy payments for field teams. This focus on speed however often ignores the architecture needed for security and offline resilience.
The objective is to implement fully compliant mobile payments that function reliably even without a network connection.
Meeting Core Compliance Requirements for Mobile Payments
Key actions for your field team payment solutions must include:
- Using only PCI-validated P2PE solutions.
- Ensuring card data is encrypted at the point of interaction.
- Never storing unencrypted cardholder data on any part of a mobile device.
- Maintaining secure device management protocols.
This is where systems that offer pre-certified secure payment integration prove their value.
Designing Resilient Offline Payment Workflows
A reliable offline workflow is built on the Store and Forward model.
| Step | Action | Responsible Party | System Requirement |
|---|---|---|---|
| 1. Transaction Decline | Payment processor declines the stored transaction post-sync. | Automated System | Real-time integration with payment gateway. |
| 2. Internal Notification | An automated alert is sent to the finance team. | System & Finance Team | Configurable alert engine. |
| 3. Customer Outreach | Finance team contacts the customer. | Finance Team | Customer record with contact details. |
| 4. Resolution | Alternative payment is secured. | Finance Team | Ability to update payment status. |
A robust order management system is essential for tracking these statuses. Eposly provides integrated POS and payment solutions for sectors like energy and utilities.