If it's a repeat customer, at the same location, then you can avoid contacting the payment processor gateway, and just record the transaction on the local cluster for later payment processing. The expected value of the loss if someone stole their card, and used it at the same restaurant that they frequent as a regular, after the card was canceled, and the restaurant gave the thief a chicken sandwich, and now corporate needs to eat that cost because the asynchronous CC transaction doesn't go through when they finally run it... is absolutely miniscule.
