Acquired experienced a minor incident on July 15, 2026 affecting Hosted Payment Page and Card API, lasting 1h 26m. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- identified Jul 15, 2026, 08:01 AM UTC
Card payments requiring 3DS authentication are experiencing elevated declines since 08:00 BST due to an upstream 3DS authentication provider issue; non-3DS flows unaffected; provider engaged.
- identified Jul 15, 2026, 08:11 AM UTC
We have identified that this is only affecting Mastercard transactions. Mastercard have acknowledged a service disruption. We will provide updates as soon as possible.
- identified Jul 15, 2026, 08:19 AM UTC
Customers may experience intermittent authentication failures when attempting Mastercard 3DS-secured transactions. This may result in some transactions being declined or unable to complete authentication. Based on information provided by Mastercard, the issue originates within the Mastercard Identity Check (3DS) service. Mastercard has confirmed they are actively investigating the incident. We are continuing to monitor the situation closely and will provide further updates as more information becomes available from Mastercard.
- monitoring Jul 15, 2026, 08:29 AM UTC
Mastercard 3-D Secure authentication services have recovered, and transaction authentication success rates are back to normal levels. The issue appears to be resolved. We are continuing to monitor the service closely while Mastercard confirms stability on their end. We will post a final update once the incident is confirmed fully resolved.
- monitoring Jul 15, 2026, 08:45 AM UTC
As of 09:10 BST, error volumes have dropped significantly and remained stable. However, authentication success rates have not yet fully returned to expected levels, so we are not marking this as resolved just yet. We will provide a further update as soon as we have confirmation from Mastercard that the issue is fully resolved.
- resolved Jul 15, 2026, 09:28 AM UTC
We have now received confirmation from Mastercard that the 3DS issue has been resolved.