Outage in Marqeta
3DS authentications impacted, 19th January
Resolved MinorIncident Report
Cardholders may have experienced elevated authentication declines, increased processing latency, and failed 3DS card authentications since 12:04 PM GMT/7:04 AM EST.
The issue is caused by a large amount of abnormal traffic generated by a bad merchant.
Our engineering teams identified and isolated the traffic source, and are working towards potential improvements.
Components affected
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Latest Updates ( sorted recent to last )
RESOLVED
4 months ago - at 01/19/2026 05:59PM
We have implemented mitigation steps and see no further recurrence of this incident since those changes were implemented.
MONITORING
4 months ago - at 01/19/2026 01:19PM
The large spike in abnormal traffic has abated. We are still working to understand why this merchant sent so much traffic to us.
IDENTIFIED
4 months ago - at 01/19/2026 12:50PM
Cardholders may have experienced elevated authentication declines, increased processing latency, and failed 3DS card authentications since 12:04 PM GMT/7:04 AM EST.
The issue is caused by a large amount of abnormal traffic generated by a bad merchant.
Our engineering teams identified and isolated the traffic source, and are working towards potential improvements.
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