Outage in CardinalCommerce
Visa Consumer Authentication Services (VCAS) Transaction Impact
Resolved MinorIncident Report
Summary AI Generated
On June 29, 2026, CardinalCommerce experienced a 36-minute disruption (22:02–23:17 GMT) affecting Visa Consumer Authentication Services (VCAS) and Cardinal Consumer Authentication (3DS). Issuers faced degraded performance during authentication, which caused some transactions to fail authorization or be processed as Attempts or Standard Electronic Commerce transactions instead. The issue was fully resolved by 23:17 GMT, with Visa conducting an internal Root Cause Analysis to prevent recurrence.
Cardinal monitoring has detected intermittent issues processing transactions. We are investigating the cause and working urgently to resolve the issue.
Reported Start Time: 29 June 2026, 22:21 GMT
Impact: Merchants and Partners may be experiencing downgraded performance when attempting to complete transactions.
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
Components affected
CardinalCommerce VCAS Issuer Services CardinalCommerce Cardinal Consumer Authentication (3DS)Trusted by 1,000+ teams
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Latest Updates ( sorted recent to last )
RESOLVED
about 1 month ago - at 06/29/2026 11:46PM
The service disruption that caused issues processing Visa Consumer Authentication Services – VCAS (3DS) transactions has now been fully resolved.
Reported Start Time: 22:02 GMT, 29 June 2026
Reported End Time: 23:17 GMT, 29 June 2026
Impact: Issuers would have experienced degraded performance when attempting to complete VCAS authentication. Depending on merchant post-authentication logic, impacted transactions may not have been authorized, or may have been authorized as Attempts or Standard Electronic Commerce transactions.
Visa is conducting an internal review of the event to help mitigate against future occurrences. VISA will share a Root Cause Analysis (RCA) once it becomes available.
Please do not hesitate to contact the VISA support team if you have any questions or concerns.
Thank you,
Cardinal Support
MONITORING
about 1 month ago - at 06/29/2026 11:31PM
This issue has now been mitigated. Cardinal is continuing to monitor the situation to ensure the issue is fully resolved.
INVESTIGATING
about 1 month ago - at 06/29/2026 11:11PM
Cardinal monitoring has detected intermittent issues processing transactions. We are investigating the cause and working urgently to resolve the issue.
Reported Start Time: 29 June 2026, 22:21 GMT
Impact: Merchants and Partners may be experiencing downgraded performance when attempting to complete transactions.
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
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