Centinel and Visa Consumer Authentication Services (VCAS) Transaction Issue
Affected: Cardinal Consumer Authentication (3DS)Cardinal APIVCAS Issuer Services
CardinalCommerce Outage History
CardinalCommerce is up right nowCardinalCommerce had 6 outages in the last 2 years totaling 112h 54m of downtime — averaging 0.2 incidents per month.
There were 6 CardinalCommerce outages since July 22, 2025 totaling 112h 54m of downtime. Each is summarised below — incident details, duration, and resolution information.
Visa Consumer Authentication Services (VCAS) Transaction Impact
Affected: Cardinal Consumer Authentication (3DS)VCAS Issuer Services
Timeline · 3 updates
- investigating Jun 29, 2026, 11:11 PM UTC
Cardinal monitoring has detected intermittent issues processing transactions. We are investigating the cause and working urgently to resolve the issue. Reported Start Time: 29 June 2026, 22:21 GMT Impact: Merchants and Partners may be experiencing downgraded performance when attempting to complete transactions. 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]
- monitoring Jun 29, 2026, 11:31 PM UTC
This issue has now been mitigated. Cardinal is continuing to monitor the situation to ensure the issue is fully resolved.
- resolved Jun 29, 2026, 11:46 PM UTC
The service disruption that caused issues processing Visa Consumer Authentication Services – VCAS (3DS) transactions has now been fully resolved. Reported Start Time: 22:02 GMT, 29 June 2026 Reported End Time: 23:17 GMT, 29 June 2026 Impact: Issuers would have experienced degraded performance when attempting to complete VCAS authentication. Depending on merchant post-authentication logic, impacted transactions may not have been authorized, or may have been authorized as Attempts or Standard Electronic Commerce transactions. Visa is conducting an internal review of the event to help mitigate against future occurrences. VISA will share a Root Cause Analysis (RCA) once it becomes available. Please do not hesitate to contact the VISA support team if you have any questions or concerns. Thank you, Cardinal Support
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.