Is CardinalCommerce down?

Visa is aware of a service disruption causing intermittent issues processing Visa Consumer Authentication Services - VCAS and Centinel transactions. We are investigating the cause and working urgently to resolve the issue. Reported Start Time: TBD Impact: Issuers may be experiencing downgraded performance when attempting to complete VCAS authentication. Depending on merchant logic post authentication, impacted transactions may not have been authorized or would have been authorized as Attempts or Standard Electronic Commerce transactions. Merchants and Partners may be experiencing downgraded performance when attempting to complete 3DS authentication. Next Update: Within 60 minutes We regret any inconvenience this may cause for our affected clients and cardholders. We will provide regular updates until the issue is mitigated. Please do not hesitate to contact your local VISA support team if you have any questions or concerns. VISA Local Support Channels by Region Global and LAC - VISA Support Hub Portal (https://visasupporthub.visaonline.com) AP - [email protected] CEMEA - [email protected] EU - [email protected] NA - [email protected]

Upon investigation, it is determined that the issue is isolated to transactions utilizing the Mastercard application (SDK). We are engaging Mastercard to identify the root cause and implement corrective actions as appropriate. Reported Start Time: 15 July 2026, 08:50 GMT We regret any inconvenience this may cause for our affected clients and cardholders. We will provide regular updates until the issue is mitigated. Please do not hesitate to contact your local VISA support team if you have any questions or concerns. VISA Local Support Channels by Region Global and LAC - VISA Support Hub Portal (https://visasupporthub.visaonline.com) AP - [email protected] CEMEA - [email protected] EU - [email protected] NA - [email protected]

We are investigating an issue impacting a subset of Mastercard application-based authentication (SDK) transactions processed through Visa Consumer Authentication Services (VCAS). We can confirm Centinel is not impacted due to this incident. At this time: The issue appears limited to a subset of Mastercard SDK authentication challenge transactions. Other authentication traffic continues to process normally. Mastercard has been engaged and a joint investigation is underway. We are actively working with Mastercard to determine the root cause and will provide further updates as more information becomes available.

We continue to work with Mastercard to mitigate the impact and determine the root cause We will provide further updates as more information becomes available. We regret any inconvenience this may cause for our affected clients and cardholders. We will provide regular updates until the issue is mitigated. Please do not hesitate to contact your local VISA support team if you have any questions or concerns. VISA Local Support Channels by Region Global and LAC - VISA Support Hub Portal (https://visasupporthub.visaonline.com) AP - [email protected] CEMEA - [email protected] EU - [email protected] NA - [email protected]

Visa has identified the issue impacting a subset of Mastercard application-based authentication (SDK) transactions processed through Visa Consumer Authentication Services (VCAS). We will continue to provide updates as material developments occur and once remediation activities have been validated. Please do not hesitate to contact your local VISA support team if you have any questions or concerns. VISA Local Support Channels by Region Global and LAC - VISA Support Hub Portal (https://visasupporthub.visaonline.com) AP - [email protected] CEMEA - [email protected] EU - [email protected] NA - [email protected]

The issue that are impacting a subset of Mastercard application-based authentication (SDK) transactions processed through Visa Consumer Authentication Services (VCAS) have recovered, and we are closely monitoring performance to ensure ongoing stability. Impact: The issue has been mitigated, and Mastercard authentication traffic has recovered. Customers are now able to use the service as normal. Next Update: As current status changes.

This issue has now been fully resolved. Cardinal is conducting an internal review of the event to mitigate against future occurrences. Reported Start Time: 07/15/2026, 08:50 GMT Reported End Time: 07/22/2026, 06:47 GMT Next Update: No further updates as the issue is resolved. Please do not hesitate to contact the Cardinal support team if you have any questions or concerns.

Cardinal monitoring has detected intermittent issues processing consumer authentication (3DS) transactions. We are investigating the cause and working urgently to resolve the issue. Reported Start Time: 15 July 2026, 7:09 GMT Impact: Merchants and Partners may be experiencing downgraded performance when attempting to complete 3DS authentication. Next Update: Within 60 minutes We regret any inconvenience this may cause for our affected Merchants and Partners. We will provide regular updates until the issue is mitigated. Please do not hesitate to contact the Cardinal support team if you have any questions or concerns: https://support.cardinalcommerce.com [email protected]

Cardinal is currently experiencing an issue which is causing transaction timeouts for Mastercard across all of Centinel. We are investigating the cause and working urgently to resolve the issue. Reported Start Time: 15 July 2026, 7:09 GMT Impact: Some Mastercard transactions may experience authentication failures or processing delays. Next Update: Within 60 minutes We regret any inconvenience this may cause for our affected Merchants and Partners. We will provide regular updates until the issue is mitigated. Please do not hesitate to contact the Cardinal support team if you have any questions or concerns: https://support.cardinalcommerce.com [email protected]

Cardinal have identified the issue which is causing transaction timeouts for Mastercard across all of Centinel and we appreciate your patience as we work urgently to implement a mitigation. Reported Start Time: 15 July 2026, 7:09 GMT Impact: Some Mastercard transactions may experience authentication failures or processing delays. Next Update: A status change We regret any inconvenience this may cause for our affected Merchants and Partners. We will provide regular updates until the issue is mitigated. Please do not hesitate to contact the Cardinal support team if you have any questions or concerns: https://support.cardinalcommerce.com [email protected]

The issue causing Mastercard transaction timeouts across the Centinel platform has been mitigated. Services have recovered, and we are closely monitoring performance to ensure ongoing stability. Reported Start Time: 15 July 2026, 07:09 GMT Reported End Time: 15 July 2026, 08:52 GMT Impact: The issue has been mitigated, and Mastercard authentication traffic has recovered. Customers are now able to use the service as normal. Next Update: As current status changes. We regret any inconvenience this may cause for our affected Merchants and Partners. We will provide regular updates until the issue is mitigated. Please do not hesitate to contact the Cardinal support team if you have any questions or concerns: https://support.cardinalcommerce.com [email protected]

The issue causing Mastercard transaction timeouts has been resolved. Transaction processing has now resumed as normal. Reported Start Time: 15 July 2026, 07:09 GMT Reported End Time: 15 July 2026, 08:52 GMT Next Update: No further updates, issue resolved. Please do not hesitate to contact the Cardinal support team if you have any questions or concerns: https://support.cardinalcommerce.com [email protected]

Cardinal monitoring has detected intermittent issues processing transactions. We are investigating the cause and working urgently to resolve the issue. Reported Start Time: 29 June 2026, 22:21 GMT Impact: Merchants and Partners may be experiencing downgraded performance when attempting to complete transactions. Next Update: Within 60 minutes We regret any inconvenience this may cause for our affected Merchants and Partners. We will provide regular updates until the issue is mitigated. Please do not hesitate to contact the Cardinal support team if you have any questions or concerns: https://support.cardinalcommerce.com [email protected]

This issue has now been mitigated. Cardinal is continuing to monitor the situation to ensure the issue is fully resolved.

The service disruption that caused issues processing Visa Consumer Authentication Services – VCAS (3DS) transactions has now been fully resolved. Reported Start Time: 22:02 GMT, 29 June 2026 Reported End Time: 23:17 GMT, 29 June 2026 Impact: Issuers would have experienced degraded performance when attempting to complete VCAS authentication. Depending on merchant post-authentication logic, impacted transactions may not have been authorized, or may have been authorized as Attempts or Standard Electronic Commerce transactions. Visa is conducting an internal review of the event to help mitigate against future occurrences. VISA will share a Root Cause Analysis (RCA) once it becomes available. Please do not hesitate to contact the VISA support team if you have any questions or concerns. Thank you, Cardinal Support

Cardinal is aware of an intermittent latency with the VCAS Rule Tester feature within the VCAS Portal Rules Management application. We are investigating the cause and working urgently to resolve the issue. We regret any inconvenience this may cause for our affected clients. Reported Start Time: TBD Impact: At this time, there is no impact to transaction processing. VCAS rule execution and live transaction decisioning continue to operate as expected. However, some users may experience delays or inconsistent results when running tests against rules configured in the VCAS UI. If a rule test does not return results, please rerun the test. In most cases, the test should complete successfully upon retry. Next Update: When Status Changes

This issue has now been fully resolved. Visa is conducting an internal review of the event to mitigate against future occurrences. Reported End Time: 1 June 2026 TBD Reported End Time: 26 June 2026 at 05:00 UTC Please do not hesitate to contact your local Visa support team if you have any questions or concerns. Visa Local Support Channels by Region Global and LAC - Visa Support Hub Portal (https://visasupporthub.visaonline.com) AP - [email protected] CEMEA - [email protected] EU - [email protected] NA - [email protected]