CardinalCommerce incident
Visa Consumer Authentication Services (VCAS) Transaction Impact
CardinalCommerce experienced a notice incident on October 28, 2025 affecting VCAS Issuer Services and The Real-time Data Exchange (RDX) and 1 more component, lasting 23m. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- monitoring Oct 28, 2025, 06:44 PM UTC
A service disruption that may have been causing intermittent issues processing Visa Consumer Authentication Services - VCAS (3DS) transactions has been resolved. Visa is conducting an internal review of the event to mitigate against future occurrences. Reported Start Time: 18:00 GMT 28 October 2025 Reported End Time: 18:05 GMT 28 October 2025 Impact: Issuers may have experienced 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: 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.
- resolved Oct 28, 2025, 07:08 PM 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: 18:00 GMT 28 October 2025 Reported End Time: 18:05 GMT 28 October 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.