Marqeta experienced a minor incident on October 20, 2025 affecting Payment Processing, lasting 10d 5h. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- investigating Oct 20, 2025, 02:12 PM UTC
Marqeta Engineers were alerted to an elevated amount of STIPs from the Visa Network observed at 06:30 PT. We have a response team engaged and we are investigating.
- identified Oct 20, 2025, 02:57 PM UTC
Marqeta Engineers isolated the issue to be related to the ongoing partial degradation to KYC Services resulted from AWS outage
- identified Oct 20, 2025, 11:11 PM UTC
After further investigation, Marqeta engineers have isolated the issue to a release-related change on Visa's side. An incident has been escalated to Visa for resolution. We are seeing a decrease in the amount of STIPS. Our engineers are actively working with Visa to resolve this issue and determine the next steps for full restoration.
- identified Oct 21, 2025, 01:57 AM UTC
Engineers are currently developing a fix for the identified issue , further updates will be shared once fix is deployed and service performance verified.
- identified Oct 21, 2025, 04:37 AM UTC
Visa implemented a change and it resulted in a temporary drop in Visa transactions. A response team is engaged with Visa and working to restore transactions.
- identified Oct 21, 2025, 04:57 AM UTC
We are in a working bridge with Visa to resolve the drop in transactions.
- identified Oct 21, 2025, 05:48 AM UTC
We’re working with Visa to address an issue where VisaNet traffic in North America is currently not reaching Marqeta. This results in authorization requests not processing through Marqeta and increased network stand-in (STIP) activity. Customers will see intermittent timeouts/declines and elevated stand-in (STIP) rates. Current impact Scope: North America VisaNet authorizations Effect: Significant drop in authorization traffic; increased stand-in (STIP) Data: No indication of data loss or security impact What we’re doing Working with Visa to stabilize station availability and validate expected behavior. Customer action No action required. If you see persistent anomalies, please contact Marqeta Production Support at [email protected] with example transaction IDs and timestamps. We are actively monitoring this incident. Next update We will continue to post updates here as we progress toward full remediation.
- identified Oct 21, 2025, 06:21 AM UTC
Visa has reverted the change that led to the impairment and we are seeing transactions return to normal levels. Marqeta customers will recieve an elevated number of STIPs as transactions that were attempted to be processed during the event will now be reported.
- monitoring Oct 21, 2025, 06:43 AM UTC
Transactions have continued to process at an expected rate. We will continue to monitor through the night.
- monitoring Oct 21, 2025, 07:54 PM UTC
Ongoing monitoring has observed STIPs still occurring for some customers. Engineers are actively working on a resolution.
- monitoring Oct 22, 2025, 12:26 AM UTC
Engineers are remediating a delay in STIP processing for Visa customers. STIPs will become unblocked and customers will start to receive them within the next few hours.
- monitoring Oct 22, 2025, 03:34 AM UTC
The deployment to all Visa routers is complete and we are seeing a steady decline in the backlog of STIPs. This process should be complete by about midnight PST.
- monitoring Oct 22, 2025, 05:05 PM UTC
The backlog of STIPs has been processed. Engineers are still working on an update to address the root cause of the STIPs.
- resolved Oct 30, 2025, 07:40 PM UTC
The Visa transaction processing incident has been fully resolved. All STIP backlogs have been processed and engineers have completed the deployment of fixes to address the root cause of processing issue.