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AffixIO Offline Card Payments

Version 1.0 · Published April 2026 · Technical Whitepaper

This paper documents an offline-first payment workflow where terminals keep selling during connectivity loss, then perform deterministic online validation and synchronization with merchant-visible proof records.

Benchmark highlights

• 100 sequential end-to-end runs, 100% success rate.
• Median end-to-end latency 25.39 ms.
• p95 end-to-end latency 35.66 ms.
• Max observed end-to-end latency 58.40 ms.

Why this matters

Most payment systems degrade hard when links go down. The AffixIO model preserves continuity, then reconciles with explicit evidence objects that support operations, support teams, and audits.

Operational recommendations

• Use durable local storage on terminals for queued transactions.
• Track p95 and p99 for validation and sync independently.
• Keep retry logic idempotent with unique transaction identifiers.
• Rotate terminal credentials on a recurring schedule.