Originally Posted by
alexmt
I don't know but I'm pretty sure some floor limit is allowed when authorisation isn't feasible. For example, I used a Visa card in Glacier National Park last week - a long ways from any phone/internet/mobile service and the transaction was offline. Swipe card, sign receipt, done. No authorisation and no way authorisation would've been possible.
Afterwards, I wished I'd tried my Bluebird card just to see if they'd have taken it which DOES have zero floor limit and it clearly says so on the card.
From personal experience, many machines completely ignore the service code anyway or the machine asks if the merchant is sure they want to process it offline. Chip cards are a different story and will automatically decline the transaction with no override possible.
I meant the floor limit on the manual imprinters, floor limits for electronically processed transactions are still allowed as some sort of electronic data is stored. There are still several transactions that work offline, Contactless in most EMV countries is offline (Unless its a prepaid card)