A computer-implemented method includes: providing, by a merchant computing device, an offline payment request to a user device when the merchant computing device is disconnected from a payment server, wherein the offline payment request is provided via local communications between the user device and the merchant computing device; receiving, by the merchant computing device, a payment approval message associated with the offline payment request based on providing the offline payment request, wherein the payment approval message is received via the local communications between the user device and the merchant computing device; storing, by the merchant computing device, the payment approval message; and providing, by the merchant computing device, offline transaction information corresponding to the payment approval message to the payment server when connectivity to the payment server has been restored.