Embodiments of the disclosure enable a merchant system to locally process one or more financial transactions at the merchant system. The merchant system receives a payment request associated with a financial transaction, determines a network communication status associated with a network interface device coupleable to a payment processing network, and, on condition that the network communication status does not satisfy a network communication threshold, obtains an account threshold associated with a cardholder account, generates transaction data associated with the financial transaction based on the account threshold, presents an indication associated with the financial transaction, and stores the transaction data for later transmission of the transaction data to the payment processing network. Aspects of the disclosure provide for processing one or more financial transactions at a merchant system independent of a payment processing network.