Visa Consumer Authentication Services (VCAS) Transaction Impact

Incident Report for CardinalCommerce

Resolved

This issue has now been fully resolved. Visa is conducting an internal review of the event to mitigate against future occurrences.

Reported Start Time: UTC
Reported End Time: UTC

Next Update: No further updates as the issue is resolved.

Please do not hesitate to contact the Cardinal support team if you have any questions or concerns.
Posted Aug 06, 2025 - 17:59 EDT

Update

We are continuing to investigate this issue.
Posted Aug 06, 2025 - 11:59 EDT

Update

We continue to investigate the service disruption causing intermittent issues processing Visa Consumer Authentication Services - VCAS (3DS) transactions during Biometric Authentication for a small subset of Issuers.

We appreciate your patience as we work to resolve the issue.

Reported Start Time: 4 August 2025

Impact: A small subset of Issuers may be experiencing downgraded performance when attempting to complete VCAS authentication on IOS devices. 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.

Next Update: As status changes or additional information is provided.

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
Posted Aug 05, 2025 - 11:50 EDT

Update

Visa continues to investigate the service disruption causing intermittent issues processing Visa Consumer Authentication Services - VCAS (3DS) transactions during Biometric Authentication.

We appreciate your patience and are working urgently to resolve the issue.

Reported Start Time: 4 August 2025

Impact: Issuers may be experiencing downgraded performance when attempting to complete VCAS authentication on IOS devices. 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.

Next Update: As status changes or additional information is provided.

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
Posted Aug 04, 2025 - 13:39 EDT

Investigating

Visa is aware of a service disruption causing intermittent issues processing Visa Consumer Authentication Services - VCAS (3DS) transactions during Biometric Authentication.

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

Reported Start Time: 4 August 2025

Impact: Issuers may be experiencing downgraded performance when attempting to complete VCAS authentication on IOS devices. 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.

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
Posted Aug 04, 2025 - 12:44 EDT
This incident affected: Cardinal Consumer Authentication (3DS), VCAS Issuer Services, The Real-time Data Exchange (RDX), File Processor, Authentication Data Exchange (ADX), Reporting Extract, and VCAS Portal.