CardinalCommerce experienced a major incident on September 27, 2026 affecting Cardinal Consumer Authentication (3DS) and Cardinal API and 1 more component, lasting 10h 54m. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- investigating Sep 27, 2026, 02:45 AM UTC
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.
- investigating Sep 27, 2026, 03:10 AM UTC
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]
- identified Sep 27, 2026, 03:25 AM UTC
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]
- identified Sep 27, 2026, 04:07 AM UTC
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]
- monitoring Sep 27, 2026, 04:14 AM UTC
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]
- resolved Sep 27, 2026, 01:39 PM UTC
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]