Cross River Bank incident
Mastercard transaction processing (SMS & DMS) unavailable
Resolved after 1 hour 5 minutes, affecting Card Payments Authorization Service, on August 15, 2026.
This incident is now resolved. Impact window: [11:58]–[1:28 EST] This incident was remediated upstream by Mastercard. Service connectivity was restored without configuration or code changes on our side, and our automated reconnect process re-established the session without manual intervention. No degradation remains and no customer action is required
Affected components
Update timeline
- identified Aug 15, 2026, 05:23 AM UTC
We are experiencing service disruptions caused by outages at upstream third-party providers. Impact is currently limited to Single Message System (SMS) and Dual Message System (DMS) on Mastercard-branded card transaction processing. Our core platform, ledger, and account systems remain operational Mastercard authorization processing is unavailable. The problem began at 04:01 UTC on 15 August 2026. Network connectivity to the Mastercard network failed. Both Mastercard channels are affected: Single Message System (SMS) and Dual Message System (DMS). Mastercard cannot deliver authorization requests to us. Cardholders can see declines on Mastercard-branded cards. Visa authorization processing is not affected. Our core platform, ledger, and account systems operate normally
- monitoring Aug 15, 2026, 05:54 AM UTC
This incident was remediated upstream by Mastercard. Service connectivity was restored without configuration or code changes on our side, and our automated reconnect process re-established the session without manual intervention. No degradation remains and no customer action is required. We will continue to monitor connectivity and transaction performance closely to confirm the issue is fully resolved, and will provide a further update if anything changes.
- resolved Aug 15, 2026, 06:29 AM UTC
This incident is now resolved. Impact window: [11:58]–[1:28 EST] This incident was remediated upstream by Mastercard. Service connectivity was restored without configuration or code changes on our side, and our automated reconnect process re-established the session without manual intervention. No degradation remains and no customer action is required
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