Resolved after 5 hours 8 minutes, affecting 3DS, on January 19, 2026.
We have implemented mitigation steps and see no further recurrence of this incident since those changes were implemented.
Affected components
Update timeline
- identified Jan 19, 2026, 12:50 PM UTC
Cardholders may have experienced elevated authentication declines, increased processing latency, and failed 3DS card authentications since 12:04 PM GMT/7:04 AM EST. The issue is caused by a large amount of abnormal traffic generated by a bad merchant. Our engineering teams identified and isolated the traffic source, and are working towards potential improvements.
- monitoring Jan 19, 2026, 01:19 PM UTC
The large spike in abnormal traffic has abated. We are still working to understand why this merchant sent so much traffic to us.
- resolved Jan 19, 2026, 05:59 PM UTC
We have implemented mitigation steps and see no further recurrence of this incident since those changes were implemented.
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