From online auth through issuer timeout, stand-in decision, advice store-and-forward, and reconciliation
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Authorization Rail
• Online auth routes to the issuer first
• A timeout arms network stand-in, not a hard decline
• Reconciliation posts the advice to the real ledger
Stand-In Limits
• Approvals are bounded by per-card exposure caps
• Velocity and MCC rules run without the issuer
• Over-limit amounts decline rather than risk exposure
Advice + Terminal
• Advices retry until the issuer host returns
• Undeliverable advices expire against network TTL
• The issuer may reverse a stand-in force-post
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