Systems and methods for processing an off-line stored value card transaction are provided. The store where the gift card transaction is being processed may save stored value card account information for a plurality of stored value cards. For example, the store may maintain stored value card account information for cards that were issued at the store or previously used at the store. When the store is off-line and cannot verify a stored value card using a home office, the store may verify the card using the account information that is locally saved. The store may upload information for stored value card transactions that occurred while the store was off-line to the home office once the store is back online. The home office may update the store's account information at regular intervals when the store is online.