CardinalCommerce incident
Visa Consumer Authentication Services (VCAS) Transaction Impact
CardinalCommerce experienced a minor incident on September 17, 2024 affecting Cardinal Consumer Authentication (3DS) and VCAS Issuer Services and 1 more component, lasting 1h 36m. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- investigating Sep 17, 2024, 11:18 PM UTC
Visa is aware of a service disruption causing intermittent issues processing Visa Consumer Authentication Services - VCAS (3DS) transactions. We are investigating the cause and working urgently to resolve the issue. 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. 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]
- investigating Sep 17, 2024, 11:27 PM UTC
We are continuing to investigate this issue.
- identified Sep 18, 2024, 12:11 AM UTC
VISA monitoring has detected intermittent delays in SMS One-Time-Password (OTP) message delivery for issuers on our VCAS platform. As a result, impacted cardholders may experience latency when receiving SMS OTP messages from VCAS issuers. Please note, this does not impact VCAS issuers utilizing RDX OTP processing. Estimated Start Date/Time: September 17th 22:07 UTC Ongoing Impact: During this time, One-Time-Password (OTP) issuers may experience downgraded performance when attempting to complete VCAS authentication resulting in an increase in I - incomplete, MC - Merchant Cancel, and U - unavailable authentication status. Impacted cardholders may experience latency when receiving SMS OTP messages from VCAS issuers. Depending on merchant logic post authentication, impacted transactions may not be authorized or would be authorized as Standard Electronic Commerce transactions. VISA engineers are currently engaged in resolving this issue. The next update will be in 30 minutes or 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 18, 2024, 12:54 AM UTC
This issue has now been fully resolved. Visa is conducting an internal review of the event to mitigate against future occurrences. Estimated Start Date/Time: September 17th 22:07 UTC Reported End Time: September 18th 00:16 UTC Impact: During this time, One-Time-Password (OTP) VCAS may experience downgraded performance when attempting to complete VCAS authentication resulting in an increase in I - incomplete, and MC - Merchant Cancel authentication status. Impacted cardholders may experience latency when receiving SMS OTP messages from VCAS issuers. Depending on merchant logic post authentication, impacted transactions may not be authorized or would be authorized as Standard Electronic Commerce transactions. 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]