Visa Consumer Authentication Services (VCAS) Transaction Impact

This issue has now been fully resolved. Cardinal is conducting an internal review of the event to mitigate against future occurrences.
Reported Start Time: 3 November 2025 10:00 GMT
Reported End Time: 3 November 2025 10:31 GMT

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.

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

Reported Start Time: 3 November 2025 10:00 GMT

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: As current status changes.

We regret any inconvenience this may have caused for our affected clients and cardholders.

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

We are continuing to investigate this issue.

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

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

Reported Start Time: 3 November 2025 10:02 GMT

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.

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