According to the invention, a method for processing credit for a contactless smart card is disclosed. In one step, the contactless smart card is uniquely recognized at a first location. The contactless smart card is capable of recording the credit or debit that affects a stored value associated with the contactless smart card. A notice that a credit or a debit is destined for the contactless smart card is received. It is determined and reported that the credit or debit was not properly recorded to affect the stored value on the contactless smart card. The reporting is away from the first location. An indication that the credit or debit should be loaded if the contactless smart card is encountered at the second location is received. The contactless smart card is uniquely recognized at the second location. The credit or debit is automatically loaded onto the contactless smart card at the second location to affect the stored value of the contactless smart card.