Outage in CardinalCommerce
Centinel and Visa Consumer Authentication Services (VCAS) Transaction Issue
Resolved MajorIncident Report
Summary AI Generated
CardinalCommerce experienced a major incident on 15 July 2026 lasting approximately 2.6 hours, in which Mastercard transaction timeouts caused authentication failures and processing delays across the Centinel platform, affecting Cardinal Consumer Authentication (3DS), Cardinal API, and VCAS Issuer Services. Merchants and partners saw degraded performance when attempting to complete 3DS authentication. The root cause was identified and mitigated, with full transaction processing confirmed as restored by 08:52 GMT.
Cardinal monitoring has detected intermittent issues processing consumer authentication (3DS) transactions. We are investigating the cause and working urgently to resolve the issue.
Reported Start Time: 15 July 2026, 7:09 GMT
Impact: Merchants and Partners may be experiencing downgraded performance when attempting to complete 3DS authentication.
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 Cardinal Consumer Authentication (3DS) CardinalCommerce Cardinal API CardinalCommerce VCAS Issuer ServicesTrusted by 1,000+ teams
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Latest Updates ( sorted recent to last )
RESOLVED
18 days ago - at 07/15/2026 10:18AM
The issue causing Mastercard transaction timeouts has been resolved. Transaction processing has now resumed as normal.
Reported Start Time: 15 July 2026, 07:09 GMT
Reported End Time: 15 July 2026, 08:52 GMT
Next Update: No further updates, issue resolved.
Please do not hesitate to contact the Cardinal support team if you have any questions or concerns:
https://support.cardinalcommerce.com
support@cardinalcommerce.com
MONITORING
18 days ago - at 07/15/2026 09:29AM
The issue causing Mastercard transaction timeouts across the Centinel platform has been mitigated. Services have recovered, and we are closely monitoring performance to ensure ongoing stability.
Reported Start Time: 15 July 2026, 07:09 GMT
Reported End Time: 15 July 2026, 08:52 GMT
Impact: The issue has been mitigated, and Mastercard authentication traffic has recovered. Customers are now able to use the service as normal.
Next Update: As current status changes.
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
IDENTIFIED
18 days ago - at 07/15/2026 08:57AM
Cardinal have identified the issue which is causing transaction timeouts for Mastercard across all of Centinel and we appreciate your patience as we work urgently to implement a mitigation.
Reported Start Time: 15 July 2026, 7:09 GMT
Impact: Some Mastercard transactions may experience authentication failures or processing delays.
Next Update: A status change
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
INVESTIGATING
18 days ago - at 07/15/2026 07:54AM
Cardinal is currently experiencing an issue which is causing transaction timeouts for Mastercard across all of Centinel. We are investigating the cause and working urgently to resolve the issue.
Reported Start Time: 15 July 2026, 7:09 GMT
Impact: Some Mastercard transactions may experience authentication failures or processing delays.
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
INVESTIGATING
18 days ago - at 07/15/2026 07:48AM
Cardinal monitoring has detected intermittent issues processing consumer authentication (3DS) transactions. We are investigating the cause and working urgently to resolve the issue.
Reported Start Time: 15 July 2026, 7:09 GMT
Impact: Merchants and Partners may be experiencing downgraded performance when attempting to complete 3DS authentication.
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
Latest CardinalCommerce outages
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