Outage in CardinalCommerce
VCAS Max OTP and EMAIL
Resolved MinorIncident Report
Visa monitoring has detected intermittent delays in email One-Time-Password (OTP) message delivery for issuers on our VCAS platform. As a result, impacted cardholders may experience latency when receiving OTP messages from VCAS issuers. Please note, this does not impact VCAS issuers utilizing RDX OTP processing through their own aggregator.
NOTE: This does not impact our customers hosted in the EU.
Reported Start Time: 18 February 2026 14:31 GMT
Impact: During this time, cardholders attempting to authenticate may not receive an OTP via Email in a timely fashion. MAX OTP Issuers may be experiencing downgraded performance when attempting to complete VCAS authentication resulting in an increase of merchant cancelled, and cardholder cancelled authentication statuses. Depending on merchant logic post authentication, impacted transactions may not be authorized or would be authorized as Standard Electronic Commerce transactions.
Visa engineers are currently engaged in resolving this issue.
Next Update: Within 60 minutes or as the current status changes.
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
Components affected
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Latest Updates ( sorted recent to last )
RESOLVED
19 days ago - at 02/18/2026 04:59PM
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 February 2026 14:31 GMT
Reported End Time: 18 February 2026 15:33 GMT
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
INVESTIGATING
19 days ago - at 02/18/2026 03:16PM
Visa monitoring has detected intermittent delays in email One-Time-Password (OTP) message delivery for issuers on our VCAS platform. As a result, impacted cardholders may experience latency when receiving OTP messages from VCAS issuers. Please note, this does not impact VCAS issuers utilizing RDX OTP processing through their own aggregator.
NOTE: This does not impact our customers hosted in the EU.
Reported Start Time: 18 February 2026 14:31 GMT
Impact: During this time, cardholders attempting to authenticate may not receive an OTP via Email in a timely fashion. MAX OTP Issuers may be experiencing downgraded performance when attempting to complete VCAS authentication resulting in an increase of merchant cancelled, and cardholder cancelled authentication statuses. Depending on merchant logic post authentication, impacted transactions may not be authorized or would be authorized as Standard Electronic Commerce transactions.
Visa engineers are currently engaged in resolving this issue.
Next Update: Within 60 minutes or as the current status changes.
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
Latest CardinalCommerce outages
Visa Consumer Authentication Services - VCAS (3DS) and Centinel 3DS Transaction Impact - 3 months ago
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