Centinel and Visa Consumer Authentication Services (VCAS) Transaction Issue

Incident Report for CardinalCommerce

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
Posted Jul 15, 2026 - 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
Posted Jul 15, 2026 - 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
Posted Jul 15, 2026 - 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
Posted Jul 15, 2026 - 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
Posted Jul 15, 2026 - 03:48 EDT
This incident affected: Cardinal Consumer Authentication (3DS), Cardinal API, and VCAS Issuer Services.