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We are currently investigating an issue affecting local EUR payment services through our banking partners. As a result, some payments may experience delays while we work to restore normal service. Our teams are actively engaged with the provider and are taking steps to minimise customer impact. Customer funds remain secure, and we will provide further updates as more information becomes available.

We have identified an issue affecting local EUR payment services through our banking partners. As a result, some EUR payments may experience delays, and the creation of new EUR virtual accounts may be temporarily unavailable. Our banking partner has identified the underlying cause and is actively implementing a fix. We are working closely with them and continue to monitor progress while taking steps to minimise customer impact. Customer funds remain secure, and we will provide further updates as more information becomes available

The issue affecting local EUR payment services through our banking partners has been resolved and services have been restored. Payment processing and virtual account services are operating normally once again. Our teams are completing recovery activities for a small number of transactions impacted during the outage and are monitoring the service closely to ensure a full return to normal operations. Customer funds remain secure. We will continue to monitor the service and provide a further update once all recovery activities have been completed.

The issue affecting EUR payment services through one of our banking partners has been fully resolved. Services were restored on the day the issue was identified, and all payment processing functionality has been operating as expected since resolution. Following service restoration, all impacted transactions were reviewed and remediated. Any remaining delayed items have now been addressed, and normal processing has resumed. We apologise for any inconvenience caused and appreciate your patience while we worked with our banking partner to resolve the issue.

# Overview On 21 July 2026, an outage affecting a network partner's API services disrupted the processing of some EUR payment instructions and related services. Currencycloud teams worked closely with the partner to minimise customer impact, temporarily paused payment submissions, and subsequently completed remediation activities once service was restored. # Customer Impact A number of EUR payments experienced delays while connectivity to the network partner was unavailable. Most affected payments were successfully processed following service restoration and remediation activities. Some collection sweeps were credited on the next business day, resulting in temporary processing delays but no loss of customer funds. # Root Cause The incident was caused by a technical failure within a network partner's API platform, which prevented payment requests and related messages from being processed successfully. As a result, Currencycloud systems were unable to exchange payment information with the partner until the issue was resolved by the provider. Currencycloud's infrastructure and security controls were confirmed to be operating as expected during the incident. ‌ ##### Currencycloud Confidential

We are currently investigating an issue affecting internal access systems used by operational teams. Whilst payment processing services remain available, some manually processed activities, including funds allocation, sender verification and investigation-related requests, may experience delays. Our teams are actively working to restore full service and we will continue to provide updates as available.

The issue has been identified and resolved, and services are operating normally. Our teams have validated recovery and continue to monitor the environment to ensure ongoing stability. At this time, we do not expect any impact or delays. Thank you for your patience while we investigated and resolved the issue.

# Overview On 20 July 2026, we experienced an internal systems issue that affected access to certain operational tools. The issue was identified and resolved by our teams and service providers, with service subsequently restored # Customer Impact There was no material impact to customer-facing payment services. Following review, no critical customer processes or services were missed during the incident. # Root Cause The issue originated within an internal technology service used to support operational access. Corrective actions were implemented and service was restored. ‌ ##### Currencycloud Confidential

We are investigating an issue affecting our SEK network partners which may result in delays to local SEK payment processing. Our teams are working with the network partner to restore normal service as quickly as possible. We will provide a further update as soon as more information becomes available.

We have identified the cause of the issue affecting local SEK payment processing and have implemented a fix to prevent further delays. Some previously impacted SEK payments may remain delayed while affected funding is being recovered and payments are released for processing. We are monitoring recovery with our network partner and will provide a further update once payment processing has returned to normal.

The issue affecting a subset of local SEK, NOK and DKK payments has now been resolved, and payment processing has returned to normal. A small number of payments experienced delays of up to one business day while our teams worked with a network partner to address the issue. All impacted payments have now been processed or are progressing as expected. We apologise for any inconvenience caused and thank you for your patience.

# Overview On July 9, 2026, we identified an issue affecting payment processing through a local banking network partner. The issue resulted in delays to a subset of SEK payments and, during recovery, a smaller number of DKK and NOK payments were also impacted. A corrective change was deployed on July 10, 2026 to prevent further occurrences. All affected payments were successfully processed by July 14, 2026. # Customer Impact A subset of customers experienced delays to payment processing. Affected payments remained pending while funding transfers were recovered and processing resumed. All impacted payments were ultimately processed successfully. # Root Cause A change to payment message generation altered the account information format used for certain funding transfers. As a result, some funding transfers were not automatically credited by the network partner, preventing associated payments from progressing as expected. The change was corrected and additional recovery actions were completed to process the affected payments. Currencycloud Confidential

We are aware of a small number of continued reports relating to Bulk Upload payment processing following the implementation of our initial fix. While the majority of Bulk Upload requests are processing successfully, we are investigating whether a subset of requests may still be affected under certain conditions. Our engineering teams are actively reviewing the recent reports and monitoring platform performance to determine whether any further corrective action is required. We apologise for the continued disruption and will provide further updates as soon as additional information becomes available.

A fix has been implemented and we are monitoring the results.

A fix has been implemented and Bulk Upload payment processing is operating normally. We have seen no further reports of the issue since the remediation was applied and are continuing to monitor the service closely. We apologise for the disruption caused and thank you for your patience while we investigated and resolved the issue.

## Overview On July 2, 2026, we identified an issue affecting Bulk Upload payment processing. A subset of uploads did not result in the expected creation of payment entries and allocations. Following investigation and corrective actions, Bulk Upload processing returned to normal and the incident was resolved on July 7, 2026. ## Client Impact A subset of customers using Bulk Upload functionality may have experienced uploads that did not result in the expected payment creation. Following restoration of service, customers who experienced issues may wish to verify that all intended payment instructions were successfully submitted and processed. ## Root Cause A platform change affected the availability of payment validation data held in cache. In certain circumstances, this validation data was not available when Bulk Upload requests were processed. As a result, some uploads were unable to complete validation as expected, preventing the creation of the associated payment entries and allocations. Changes were subsequently implemented to improve validation of cache refresh and distribution across platform instances. ‌ ##### Currencycloud Confidential

We are currently investigating an issue affecting payment validation services. Some customers may experience errors when validating payments via the platform or API. Our engineering teams have identified the issue and are actively working to restore normal service as quickly as possible. We apologise for any inconvenience this may cause and will provide further updates as more information becomes available.

The issue has been mitigated and is being monitored.

The issue affecting payment validation services has now been resolved. Our teams implemented a fix and monitored the service to confirm stability, with no further issues observed. We apologise for any inconvenience caused and thank you for your patience.

## Overview On 3 July 2026, we identified an issue affecting payment validation services in the production environment. Some clients experienced errors when validating payments via the platform and API. The issue was mitigated through cache reloads and service recovery actions, with a permanent fix subsequently implemented and deployed. Service was restored and monitored until stability was confirmed. ## Client Impact During the incident, some clients may have experienced: * Errors when validating payments * Intermittent failures during payment creation and validation workflows * Issues processing certain bulk payment uploads The impact was limited and intermittent. No data integrity issues were identified, and no client action was required. ## Root Cause The issue was caused by a missing payment validation cache entry required by the Payments Engine. Under certain conditions, the cache was not correctly repopulated following service events, causing validation requests to fail. A related service change contributed to the cache inconsistency. Mitigations were applied to restore the cache, and permanent fixes were implemented to improve cache management and prevent recurrence. ‌ ‌ ##### Currencycloud Confidential