VCAS and Centinel Disruption
Affected: Cardinal Consumer Authentication (3DS)Cardinal APICardinal Hybrid APIVCAS Issuer Services
CardinalCommerce Outage History
CardinalCommerce is up right nowCardinalCommerce had 9 outages in the last 2 years totaling 145h 14m of downtime — averaging 0.4 incidents per month.
There were 9 CardinalCommerce outages since October 4, 2025 totaling 145h 14m of downtime. Each is summarised below — incident details, duration, and resolution information.
VCAS Daily Reporting
Affected: VCAS Issuer ServicesThe Real-time Data Exchange (RDX)File ProcessorAuthentication Data Exchange (ADX)Reporting ExtractVCAS Portal
Timeline · 2 updates
- monitoring Sep 18, 2026, 08:17 PM UTC
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]
- resolved Sep 19, 2026, 11:15 AM UTC
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 Service Connectivity Degradation
Affected: Cardinal Consumer Authentication (3DS)Cardinal APICardinal Hybrid APIVCAS Issuer Services
Timeline · 3 updates
- investigating Sep 15, 2026, 06:14 PM UTC
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.
- monitoring Sep 15, 2026, 06:52 PM UTC
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.
- resolved Sep 15, 2026, 07:30 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: 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.
Visa Consumer Authentication Services (VCAS) Transaction Impact
Affected: Cardinal Consumer Authentication (3DS)Cardinal APIVCAS Issuer Services
Timeline · 7 updates
Centinel and Visa Consumer Authentication Services (VCAS) Transaction Issue
Affected: Cardinal Consumer Authentication (3DS)Cardinal APIVCAS Issuer Services
Timeline · 5 updates
VCAS Rule Tester - intermittent latency
Affected: VCAS Portal
Timeline · 2 updates
- investigating Jun 25, 2026, 10:32 PM UTC
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
- resolved Jun 30, 2026, 01:07 AM UTC
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]
VCAS Max OTP and EMAIL
Affected: VCAS Portal
Timeline · 2 updates
Visa Consumer Authentication Services - VCAS (3DS) and Centinel 3DS Transaction Impact
Affected: Cardinal Consumer Authentication (3DS)Cardinal APICardinal Hybrid API
Timeline · 2 updates
Centinel Transaction Impact
Affected: Cardinal Consumer Authentication (3DS)Cardinal APICardinal Hybrid API
Timeline · 2 updates
- monitoring Nov 18, 2025, 07:44 PM UTC
Cardinal monitoring detected intermittent issues processing consumer authentication (3DS) transactions due to a third party provider Cloudflare (https://www.cloudflarestatus.com/). The issue has since been mitigated however we are monitoring to confirm it has been fully resolved. Reported Start Time: 11:30 GMT 18 November 2025 Reported End Time: 16:55 GMT 18 November 2025 Impact: Merchants and Partners may have experienced downgraded performance when attempting to complete 3DS authentication. Next Update: As status changes. We regret any inconvenience this may cause for our affected Merchants and Partners. Please do not hesitate to contact the Cardinal support team if you have any questions or concerns: https://support.cardinalcommerce.com [email protected]
- resolved Nov 18, 2025, 11:57 PM UTC
This issue is confirmed as fully resolved. Reported Start Time: 11:30 GMT 18 November 2025 Reported End Time: 16:55 GMT 18 November 2025 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.