CardinalCommerce incident
Centinel and Visa Consumer Authentication Services (VCAS) Transaction Issue
CardinalCommerce experienced a major incident on July 15, 2026 affecting Cardinal Consumer Authentication (3DS) and Cardinal API and 1 more component, lasting 2h 30m. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- investigating Jul 15, 2026, 07:48 AM UTC
Cardinal monitoring has detected intermittent issues processing consumer authentication (3DS) transactions. We are investigating the cause and working urgently to resolve the issue. Reported Start Time: 15 July 2026, 7:09 GMT Impact: 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 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: https://support.cardinalcommerce.com [email protected]
- investigating Jul 15, 2026, 07:54 AM UTC
Cardinal is currently experiencing an issue which is causing transaction timeouts for Mastercard across all of Centinel. We are investigating the cause and working urgently to resolve the issue. Reported Start Time: 15 July 2026, 7:09 GMT Impact: Some Mastercard transactions may experience authentication failures or processing delays. 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: https://support.cardinalcommerce.com [email protected]
- identified Jul 15, 2026, 08:57 AM UTC
Cardinal have identified the issue which is causing transaction timeouts for Mastercard across all of Centinel and we appreciate your patience as we work urgently to implement a mitigation. Reported Start Time: 15 July 2026, 7:09 GMT Impact: Some Mastercard transactions may experience authentication failures or processing delays. Next Update: A status change 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: https://support.cardinalcommerce.com [email protected]
- monitoring Jul 15, 2026, 09:29 AM UTC
The issue causing Mastercard transaction timeouts across the Centinel platform has been mitigated. Services have recovered, and we are closely monitoring performance to ensure ongoing stability. Reported Start Time: 15 July 2026, 07:09 GMT Reported End Time: 15 July 2026, 08:52 GMT Impact: The issue has been mitigated, and Mastercard authentication traffic has recovered. Customers are now able to use the service as normal. Next Update: As current status changes. 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: https://support.cardinalcommerce.com [email protected]
- resolved Jul 15, 2026, 10:18 AM UTC
The issue causing Mastercard transaction timeouts has been resolved. Transaction processing has now resumed as normal. Reported Start Time: 15 July 2026, 07:09 GMT Reported End Time: 15 July 2026, 08:52 GMT Next Update: No further updates, issue resolved. Please do not hesitate to contact the Cardinal support team if you have any questions or concerns: https://support.cardinalcommerce.com [email protected]