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Visa monitoring has detected intermittent delays in email One-Time-Password (OTP) message delivery for issuers on our VCAS platform. Reported Start Time: 01:00 GMT on October 03, 2026 Impact: Impacted cardholders may experience latency when receiving OTP messages from VCAS issuers. Visa engineers are currently engaged in resolving this issue. Next Update: Within 60 minutes Incident Number INC27142020 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 monitoring has detected intermittent delays in email One-Time Password (OTP) message delivery for issuers on the VCAS platform. Mitigation actions have been implemented, and service has recovered. We will continue to closely monitor the environment until the issue is fully resolved. Reported Start Time: 01:00 GMT on October 03, 2026 Reported End Time: 02:54 GMT on October 03, 2026 Impact: Impacted cardholders may experience latency when receiving OTP messages from VCAS issuers. Next Update: As current status changes Incident Number INC27142007, INC27142020 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]

This issue has now been fully resolved. Visa is conducting an internal review of the event to mitigate against future occurrences. Reported Start Time: 01:00 GMT on October 03, 2026 Reported End Time: 02:54 GMT on October 03, 2026 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]

Cardinal is aware of a service disruption. We are in the initial stages of investigation and will share more information as soon as possible. We regret any inconvenience this may cause for our customers.

Visa is aware of a service disruption for Visa Consumer Authentication Services - VCAS and Centinel We are investigating the cause and working urgently to resolve the issue. Reported Start Time: 09/27/2026 02:16 GMT Impact: VCAS: 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. Centinel: 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]

We have identified the issue and continue to actively work toward full resolution. Impact: VCAS: 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. Centinel: 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]

Mitigation actions have been implemented, and service performance has significantly improved. Transaction processing and authentication services have largely recovered. Our teams continue to closely monitor the environment and perform additional validation to ensure service stability across all affected components. Impact: VCAS: 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. Centinel: 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]

We have performed mitigation actions, and the issue has since been mitigated for all Visa clients. We are continuing to monitor closely to ensure the issue has been fully resolved. We regret any inconvenience this may have caused for our affected clients, merchants and cardholders. Reported Start Time: 09/27/2026 02:16 GMT Impact: The issue has been mitigated for all clients, and transactions have resumed processing as normal. Next Update: As current status changes 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]

This issue has now been fully resolved. Cardinal is conducting an internal review of the event to mitigate against future occurrences. Reported Start Time: 09/27/2026 02:16 GMT Reported End Time: 09/27/2026 03:21 GMT Impact: The issue has been resolved for all clients, and transactions have resumed processing as normal. Next Update: No further updates as the issue is resolved. 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 monitoring identified temporary latency within the VCAS outbound file delivery process through SFTP. Mitigation has been implemented, and recovery efforts are ongoing and service restoration continues to be monitored. Reported Start Time: 18 September 2026 10:00 GMT Reported End Time: 18 September 2026 19:40 GMT Impact: I Issuers receiving SFTP Daily Reporting service may experience delays with receiving daily automated reports. No impact on VCAS transaction processing Next Update: As the current status changes. 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]

This issue has now been fully resolved. Visa is conducting an internal review of the event to mitigate against future occurrences. Reported Start Time: 18 September 2026 10:00 GMT Reported End Time: 18 September 2026 19:40 GMT 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]

Cardinal monitoring has detected connectivity issues affecting Cardinal production services. Teams are actively investigating the issue and working to identify the underlying cause while assessing potential impact Reported Start Time: 15 September 2026 17:43 GMT Impact: Merchants and Partners may experience degraded performance when accessing Cardinal services. Impact remains under assessment 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.

Cardinal has identified connectivity issues and implemented corrective actions while observing service recovery across affected environments. Teams are currently monitoring the environment and validating stability to ensure services continue to operate as expected. Reported Start Time: 15 September 2026 17:43 GMT Impact: Merchants and Partners may experience degraded performance when accessing Cardinal services. Impact remains under assessment Next Update: As significant information becomes available. 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.

This issue has now been fully resolved. Cardinal is conducting an internal review of the event to mitigate against future occurrences. Reported Start Time: 15 September 2026 17:34 GMT Reported End Time: 15 September 2026 18:17 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.