There are provided systems and methods for a preloaded digital wallet token for networkless transaction processing. A user may utilize a communication device while shopping at physical merchant locations, such as retail storefronts, where the communication device may provide transaction processing services through a mobile application executing on the communication device. The communication device may provide transaction processing services through the application in an offline environment by utilizing a preloaded digital token having encrypted data, for example, where the communication device loses network connectivity. The encrypted data may include information necessary to resolve transaction processing by a merchant device receiving the token from the communication device. Moreover, the encrypted data may include limitations on use of the token for transaction processing, such as location limitations and/or transaction amount or time limits. The token may also be updated when the communication device reconnects to a network.