Stand-in Definition.
Stand-In Processing (STIP): the scheme, or the processor, authorizes transactions on the issuer’s behalf when the issuer is unavailable or responds too slowly, using pre-agreed parameters (per-transaction and per-period limits, allowed MCCs, CVV verification). It keeps the network available but shifts risk to the issuer, which only sees the transactions after the fact. Stand-in parameters are negotiated as part of scheme membership.
See also
Where this term appears
GuidePayment schemesGuideAn issuer’s authorization policyGuideCard issuing: building and running a programGuideInteroperable QR codes around the worldGuidePayment resilience and outagesGuideAuthorizationGuideCard payment codes and identifiersCourseAccepting QR code paymentsCourseA CB card transaction, end to end