Visa Consumer Authentication Services (VCAS) Transaction Impact
Monitoring - The issue that are impacting a subset of Mastercard application-based authentication (SDK) transactions processed through Visa Consumer Authentication Services (VCAS) have recovered, and we are closely monitoring performance to ensure ongoing stability.

Impact: The issue has been mitigated, and Mastercard authentication traffic has recovered. Customers are now able to use the service as normal.

Next Update: As current status changes.
Jul 22, 2026 - 03:10 EDT
Identified - Visa has identified the issue impacting a subset of Mastercard application-based authentication (SDK) transactions processed through Visa Consumer Authentication Services (VCAS).

We will continue to provide updates as material developments occur and once remediation activities have been validated.

Please do not hesitate to contact your local VISA support team if you have any questions or concerns.

VISA Local Support Channels by Region

Global and LAC - VISA Support Hub Portal (https://visasupporthub.visaonline.com)
AP - Isupport@visa.com
CEMEA - csupport@visa.com
EU - customersupport@visa.com
NA - esupport@visa.com
Jul 22, 2026 - 00:41 EDT
Update - We continue to work with Mastercard to mitigate the impact and determine the root cause

We will provide further updates as more information becomes available.

We regret any inconvenience this may cause for our affected clients and cardholders. We will provide regular updates until the issue is mitigated.

Please do not hesitate to contact your local VISA support team if you have any questions or concerns.

VISA Local Support Channels by Region

Global and LAC - VISA Support Hub Portal (https://visasupporthub.visaonline.com)
AP - Isupport@visa.com
CEMEA - csupport@visa.com
EU - customersupport@visa.com
NA - esupport@visa.com
Jul 21, 2026 - 23:23 EDT
Update - We are investigating an issue impacting a subset of Mastercard application-based authentication (SDK) transactions processed through Visa Consumer Authentication Services (VCAS).

We can confirm Centinel is not impacted due to this incident.

At this time:
The issue appears limited to a subset of Mastercard SDK authentication challenge transactions.
Other authentication traffic continues to process normally.
Mastercard has been engaged and a joint investigation is underway.

We are actively working with Mastercard to determine the root cause and will provide further updates as more information becomes available.
Jul 21, 2026 - 22:45 EDT
Update - Upon investigation, it is determined that the issue is isolated to transactions utilizing the Mastercard application (SDK).

We are engaging Mastercard to identify the root cause and implement corrective actions as appropriate.

Reported Start Time: 15 July 2026, 08:50 GMT

We regret any inconvenience this may cause for our affected clients and cardholders. We will provide regular updates until the issue is mitigated.

Please do not hesitate to contact your local VISA support team if you have any questions or concerns.

VISA Local Support Channels by Region

Global and LAC - VISA Support Hub Portal (https://visasupporthub.visaonline.com)
AP - Isupport@visa.com
CEMEA - csupport@visa.com
EU - customersupport@visa.com
NA - esupport@visa.com
Jul 21, 2026 - 22:21 EDT
Investigating - Visa is aware of a service disruption causing intermittent issues processing Visa Consumer Authentication Services - VCAS and Centinel transactions.

We are investigating the cause and working urgently to resolve the issue.

Reported Start Time: TBD

Impact:
Issuers may be experiencing downgraded performance when attempting to complete VCAS authentication. Depending on merchant logic post authentication, impacted transactions may not have been authorized or would have been authorized as Attempts or Standard Electronic Commerce transactions.

Merchants and Partners may be experiencing downgraded performance when attempting to complete 3DS authentication.

Next Update: Within 60 minutes

We regret any inconvenience this may cause for our affected clients and cardholders. We will provide regular updates until the issue is mitigated.

Please do not hesitate to contact your local VISA support team if you have any questions or concerns.

VISA Local Support Channels by Region

Global and LAC - VISA Support Hub Portal (https://visasupporthub.visaonline.com)
AP - Isupport@visa.com
CEMEA - csupport@visa.com
EU - customersupport@visa.com
NA - esupport@visa.com
Jul 21, 2026 - 22:07 EDT

About This Site

Welcome to the CardinalCommerce status page. We use this page to communicate any issues with our products including planned and unplanned outages.

Securing your transactions is our top priority.

Cardinal Consumer Authentication (3DS) Operational
Cardinal API Operational
Cardinal Hybrid API Operational
Merchant Portal Operational
VCAS Issuer Services Operational
The Real-time Data Exchange (RDX) Operational
File Processor Operational
Authentication Data Exchange (ADX) Operational
Reporting Extract Operational
VCAS Portal Operational
PayPal Operational
Status Page Operational
Operational
Degraded Performance
Partial Outage
Major Outage
Maintenance

Scheduled Maintenance

Join Us for an Upcoming VCAS Data Center (DC) Migration Webinar Jun 2, 2026 23:00 - Jun 25, 2026 10:00 EDT

We want to inform you that the upcoming informational customer webinar on the Visa Consumer Authentication Service (VCAS) Data Center (DC) Migration) has been rescheduled. The updated dates and times for each region are listed below.

This webinar, hosted by Sandra Hullinger (Client Services) and Austin Poole (Product), will provide essential guidance to help you prepare for the upcoming migration and understand the actions required for a successful transition.

Receive key information about the VCAS DC Migration, including:
• Required actions to prepare for the migration
• The timeline of the migration and steps taken by our team
• Steps needed to migrate successfully

Following the presentation, there will be a Q&A session to address additional questions you may have. We encourage your participation to ensure you are prepared for this transition. Your involvement is crucial for a successful migration.

Please register for the webinar based on your region:
• AP - Wednesday, July 1st at 10am SGT: Register Here: https://event.on24.com/wcc/r/5367623/FAFF08740763B5531098CA2ED9AEDD02
• CEMEA/NA/EU - Tuesday, June 30th at 8 am ET (12:00 UTC): Register Here: https://event.on24.com/wcc/r/5367633/F70819E32396B3251DA388D239BE7149
• LAC Portuguese - Wednesday, July 1st at 9 am ET (14:00 UTC): Register Here: https://event.on24.com/wcc/r/5367634/02CC64305DB550ADD78342BAF9074083
• LAC Spanish Wednesday, July 1st at 10 am ET (14:00 UTC): Register Here: https://event.on24.com/wcc/r/5367635/85C6F007B1DC7137BD4017994BB7B2BC

Please do not hesitate to contact your Local VISA support if you have any questions or concerns.

VISA Local Support Channels by Region

Global and LAC - VISA Support Hub Portal (https://visasupporthub.visaonline.com)
AP - Isupport@visa.com
CEMEA - csupport@visa.com
EU - customersupport@visa.com
NA - esupport@visa.com
Posted on Jun 02, 2026 - 22:28 EDT
Jul 22, 2026

Unresolved incident: Visa Consumer Authentication Services (VCAS) Transaction Impact.

Jul 21, 2026
Jul 20, 2026
VCAS/Issuer Services Standard Network and Database Server Maintenance
Completed - The scheduled maintenance has been completed.
Jul 20, 08:00 EDT
In progress - Scheduled maintenance is currently in progress. We will provide updates as necessary.
Jul 16, 08:00 EDT
Scheduled - CardinalCommerce will be performing network and database system maintenance starting at 12:00 UTC on July 16, 2026, through 12:00 UTC on July 20, 2026.

During this window we will apply the most recent network and database updates for optimal performance and to prevent new exploits from being used against our VCAS systems.

This is being performed in high availability mode and should have no impact to transaction processing. While no transaction impact is anticipated during this maintenance you may experience a few periods of network latency. During this time, we will be fully staffed from a support and network operations standpoint to perform monitoring and testing.

Please do not hesitate to contact your Local VISA support if you have any questions or concerns.

VISA Local Support Channels by Region

Global and LAC - VISA Support Hub Portal (https://visasupporthub.visaonline.com)
AP - Isupport@visa.com
CEMEA - csupport@visa.com
EU - customersupport@visa.com
NA - esupport@visa.com
Jun 26, 22:39 EDT
Jul 19, 2026

No incidents reported.

Jul 18, 2026

No incidents reported.

Jul 17, 2026

No incidents reported.

Jul 16, 2026
Centinel Standard Network and Database Server Maintenance
Completed - The scheduled maintenance has been completed.
Jul 16, 20:00 EDT
In progress - Scheduled maintenance is currently in progress. We will provide updates as necessary.
Jul 13, 08:00 EDT
Scheduled - CardinalCommerce will be performing database system improvements starting at 12:00 UTC on July 13, 2026, through 23:59 UTC on July 16th, 2026. During this time, we will apply the most recent network and database patches as well as targeted security enhancements to prevent new exploits from being used against our systems.

We perform monitoring and testing of the updates during Cardinal business hours, while we are fully staffed from a support and network operations standpoint.

This is being performed in a high availability mode and should have no impact to transaction processing. While no transaction impact is anticipated during this maintenance you may experience a few periods of network latency.

We appreciate your partnership as we continue improving the stability and security of our platform. If you have questions or would like support preparing for this change, our team is here to help.

Please do not hesitate to contact support@cardinalcommerce.com or our support site (https://support.cardinalcommerce.com) if you have any questions or concerns.
Jun 26, 22:36 EDT
Jul 15, 2026
Centinel and Visa Consumer Authentication Services (VCAS) Transaction Issue
Resolved - The issue causing Mastercard transaction timeouts has been resolved. Transaction processing has now resumed as normal.

Reported Start Time: 15 July 2026, 07:09 GMT
Reported End Time: 15 July 2026, 08:52 GMT

Next Update: No further updates, issue resolved.

Please do not hesitate to contact the Cardinal support team if you have any questions or concerns:

https://support.cardinalcommerce.com
support@cardinalcommerce.com
Jul 15, 06:18 EDT
Monitoring - The issue causing Mastercard transaction timeouts across the Centinel platform has been mitigated. Services have recovered, and we are closely monitoring performance to ensure ongoing stability.

Reported Start Time: 15 July 2026, 07:09 GMT
Reported End Time: 15 July 2026, 08:52 GMT

Impact: The issue has been mitigated, and Mastercard authentication traffic has recovered. Customers are now able to use the service as normal.

Next Update: As current status changes.

We regret any inconvenience this may cause for our affected Merchants and Partners. We will provide regular updates until the issue is mitigated.

Please do not hesitate to contact the Cardinal support team if you have any questions or concerns:

https://support.cardinalcommerce.com
support@cardinalcommerce.com
Jul 15, 05:29 EDT
Identified - Cardinal have identified the issue which is causing transaction timeouts for Mastercard across all of Centinel and we appreciate your patience as we work urgently to implement a mitigation.

Reported Start Time: 15 July 2026, 7:09 GMT

Impact: Some Mastercard transactions may experience authentication failures or processing delays.

Next Update: A status change

We regret any inconvenience this may cause for our affected Merchants and Partners. We will provide regular updates until the issue is mitigated.

Please do not hesitate to contact the Cardinal support team if you have any questions or concerns:

https://support.cardinalcommerce.com
support@cardinalcommerce.com
Jul 15, 04:57 EDT
Update - Cardinal is currently experiencing an issue which is causing transaction timeouts for Mastercard across all of Centinel. We are investigating the cause and working urgently to resolve the issue.

Reported Start Time: 15 July 2026, 7:09 GMT

Impact: Some Mastercard transactions may experience authentication failures or processing delays.

Next Update: Within 60 minutes

We regret any inconvenience this may cause for our affected Merchants and Partners. We will provide regular updates until the issue is mitigated.

Please do not hesitate to contact the Cardinal support team if you have any questions or concerns:

https://support.cardinalcommerce.com
support@cardinalcommerce.com
Jul 15, 03:54 EDT
Investigating - Cardinal monitoring has detected intermittent issues processing consumer authentication (3DS) transactions. We are investigating the cause and working urgently to resolve the issue.

Reported Start Time: 15 July 2026, 7:09 GMT

Impact: Merchants and Partners may be experiencing downgraded performance when attempting to complete 3DS authentication.

Next Update: Within 60 minutes

We regret any inconvenience this may cause for our affected Merchants and Partners. We will provide regular updates until the issue is mitigated.

Please do not hesitate to contact the Cardinal support team if you have any questions or concerns:

https://support.cardinalcommerce.com
support@cardinalcommerce.com
Jul 15, 03:48 EDT
Jul 14, 2026

No incidents reported.

Jul 13, 2026
Jul 12, 2026

No incidents reported.

Jul 11, 2026

No incidents reported.

Jul 10, 2026

No incidents reported.

Jul 9, 2026

No incidents reported.

Jul 8, 2026

No incidents reported.

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