Outage in CardinalCommerce

Visa Consumer Authentication Services (VCAS) Transaction Impact

Resolved Minor
October 28, 2025 - Started about 2 months ago - Lasted 27 minutes
Official incident page

Incident Report

A service disruption that may have been causing intermittent issues processing Visa Consumer Authentication Services - VCAS (3DS) transactions has been resolved. Visa is conducting an internal review of the event to mitigate against future occurrences. Reported Start Time: 18:00 GMT 28 October 2025 Reported End Time: 18:05 GMT 28 October 2025 Impact: Issuers may have experienced 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. Next Update: No further updates as the issue is resolved. Please do not hesitate to contact your local VISA support team if you have any questions or concerns.
Components affected
CardinalCommerce VCAS Issuer Services CardinalCommerce The Real-time Data Exchange (RDX) CardinalCommerce File Processor CardinalCommerce Authentication Data Exchange (ADX) CardinalCommerce Reporting Extract CardinalCommerce VCAS Portal

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Latest Updates ( sorted recent to last )
RESOLVED about 2 months ago - at 10/28/2025 07:08PM

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

Reported Start Time: 18:00 GMT 28 October 2025
Reported End Time: 18:05 GMT 28 October 2025

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.

MONITORING about 2 months ago - at 10/28/2025 06:44PM

A service disruption that may have been causing intermittent issues processing Visa Consumer Authentication Services - VCAS (3DS) transactions has been resolved.

Visa is conducting an internal review of the event to mitigate against future occurrences.

Reported Start Time: 18:00 GMT 28 October 2025
Reported End Time: 18:05 GMT 28 October 2025

Impact: Issuers may have experienced 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.

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

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

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