A payment processing system provides offline fund updates to a stored value card. The stored value card may be used to conduct transactions with a merchant using funds maintained on the stored value card. The payment processing system receives funds to supplement a stored value card when the stored value card does not have a communication connection with the payment processing system. After receiving the funds, the payment processing system identifies a set of merchants with which a user of the stored value card is likely to interact. The payment processing system transmits the fund update to the merchants. When the user employs the stored value card at a point of sale terminal associated with one of the identified merchants, the fund update is transmitted to the stored value card. The balance on the stored value card is updated accordingly.

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