CardinalCommerce incident
Visa Consumer Authentication Services (VCAS) Transaction Impact
CardinalCommerce experienced a notice incident on November 18, 2025 affecting VCAS Issuer Services and The Real-time Data Exchange (RDX) and 1 more component, lasting 4h 23m. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- monitoring Nov 18, 2025, 07:35 PM UTC
Visa is aware of a service disruption with a third party provider Cloudflare (https://www.cloudflarestatus.com/) that may have caused intermittent issues processing Visa Consumer Authentication Services - VCAS (3DS) transactions due to an external internet event. 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: 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. Next Update: As 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 Nov 18, 2025, 11:59 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.