Shift4 incident
Mastercard 3D Secure (3DS) Authentication Failures
Shift4 experienced a minor incident on July 15, 2026 affecting EU 3D Secure, lasting 6h 7m. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- identified Jul 15, 2026, 08:01 AM UTC
We are aware of an issue affecting Mastercard 3D Secure (Identity Check) authentication. Impact Customers may experience intermittent authentication failures when attempting Mastercard 3DS-secured transactions. This may result in some transactions being declined or unable to complete authentication. Based on information provided by Mastercard, the issue originates within the Mastercard Identity Check (3DS) service. Mastercard has confirmed they are actively investigating the incident. We are continuing to monitor the situation closely and will provide further updates as more information becomes available from Mastercard.
- monitoring Jul 15, 2026, 08:21 AM UTC
We have observed that Mastercard 3D Secure (Identity Check) authentication services appear to have recovered, and transaction authentication success rates have returned to expected levels. At this time, the issue appears to be resolved; however, we are continuing to actively monitor the service while Mastercard continues to monitor service stability. We will provide a further update once the incident has been fully confirmed as resolved.
- resolved Jul 15, 2026, 02:09 PM UTC
Mastercard has confirmed that the issue affecting Mastercard 3DS (Identity Check) authentication has now been resolved. Services have returned to normal, and transactions requiring Mastercard 3DS authentication are processing as expected. We will continue to monitor the service to ensure stability. We appreciate your patience while the issue was being resolved.