Business Continuity Invocation (Card Payments)
States a payment processor moves through when authorisation success rate degrades, including regulator notification past the two-hour RTO.
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stateDiagram-v2
[*] --> BusinessAsUsual
BusinessAsUsual --> Alert: authorisation success below 97 percent
Alert --> BusinessAsUsual: recovers inside 15 minutes
Alert --> Incident: degradation sustained past 15 minutes
Incident --> Invoked: the 2 hour recovery time objective is at risk
Invoked --> FailedOver: traffic switched to the secondary site
FailedOver --> RunningDegraded: offline floor limits applied to stand-in auth
Invoked --> RegulatorNotified: outage passes 2 hours
RegulatorNotified --> RunningDegraded
RunningDegraded --> Recovering: primary site validated on synthetic traffic
Recovering --> BusinessAsUsual: failback complete and settlement reconciled
Recovering --> RunningDegraded: failback aborted
BusinessAsUsual --> [*]: post incident review published