Resolved after 1 hour 36 minutes, affecting Acquirers and payment methods, on July 15, 2026.
From 2026-07-15 07:00:00 UTC to 09:06:00 UTC, we experienced elevated 3D Secure errors on Mastercard transactions due to an expired certificate on the upstream Mastercard service. Mastercard identified and resolved the issue on their end. We have verified that all certificates are now valid and transactions are processing normally.
Affected components
Update timeline
- identified Jul 15, 2026, 08:06 AM UTC
We’re observing elevated 3DS errors for Mastercard transactions starting 07:00 UTC. We are engaging with the Mastercard team and we will provide an update as soon as we have more information.
- investigating Jul 15, 2026, 09:01 AM UTC
We are starting to see improvement in the elevated 3D Secure errors affecting Mastercard transactions. The impact still continues however Stripe engagement with Mastercard teams continue. We will provide further updates once we have observed recovery.
- monitoring Jul 15, 2026, 09:17 AM UTC
As of 09:06 UTC, we can confirm that the elevated 3D Secure errors on Mastercard transactions have recovered following certificate rotation by Mastercard. We're continuing to validate that this issue is fully resolved and will provide further updates once we have observed sustained recovery.
- resolved Jul 15, 2026, 09:42 AM UTC
From 2026-07-15 07:00:00 UTC to 09:06:00 UTC, we experienced elevated 3D Secure errors on Mastercard transactions due to an expired certificate on the upstream Mastercard service. Mastercard identified and resolved the issue on their end. We have verified that all certificates are now valid and transactions are processing normally.
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