Outage in Marqeta
Degraded traffic on Mastercard 3DS
Resolved MajorIncident Report
Summary AI Generated
Marqeta's Mastercard 3D Secure (3DS) authentication experienced degraded traffic for approximately 45 hours beginning July 15, 2026 at 13:04 PT, caused by Mastercard deploying a broken certificate bundle. Mastercard progressively redeployed the certificates to resolve the issue, with errors confirmed to have subsided by July 17, 2026 at 10:30 PT.
On Wednesday, July 15, 2026, Marqeta engineers detected a new issue affecting Mastercard 3D Secure (3DS) authentication requests, starting at approximately 13:04 PT (20:04 UTC). Our team is actively investigating the root cause and assessing the full scope of impact. A follow-up notification with more detail will be sent within 30 minutes.
Components affected
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Latest Updates ( sorted recent to last )
RESOLVED
19 days ago - at 07/17/2026 05:30PM
Marqeta engineers have confirmed the errors have subsided. Although we continue to await an RCA from Mastercard, evidence indicates they deployed a broken certificate bundle and have been progressively redeploying them them. We will continue to monitor for any additional lagging effects.
MONITORING
20 days ago - at 07/16/2026 06:29PM
On Wednesday, July 15, 2026, Marqeta engineers detected a new issue affecting Mastercard 3D Secure (3DS) authentication requests, starting at approximately 13:04 PT (20:04 UTC). Marqeta engineers have detected a decrease in the rate of errors. We are continuing to wait for guidance or confirmation from Mastercard that the issue has been resolved. A follow-up notification with more detail will be provided once Mastercard completes their analysis.
IDENTIFIED
20 days ago - at 07/16/2026 02:28PM
On Wednesday, July 15, 2026, Marqeta engineers detected a new issue affecting Mastercard 3D Secure (3DS) authentication requests, starting at approximately 13:04 PT (20:04 UTC). Mastercard is continuing to work to determine the root cause and correct it. A follow-up notification with more detail will be provided once Mastercard completes their analysis.
INVESTIGATING
21 days ago - at 07/15/2026 08:52PM
On Wednesday, July 15, 2026, Marqeta engineers detected a new issue affecting Mastercard 3D Secure (3DS) authentication requests, starting at approximately 13:04 PT (20:04 UTC). Our team is actively investigating with Mastercard to determine the root cause and assess the full scope of impact. A follow-up notification with more detail will be provided once Mastercard completes their analysis.
INVESTIGATING
21 days ago - at 07/15/2026 08:18PM
On Wednesday, July 15, 2026, Marqeta engineers detected a new issue affecting Mastercard 3D Secure (3DS) authentication requests, starting at approximately 13:04 PT (20:04 UTC). Our team is actively investigating the root cause and assessing the full scope of impact. A follow-up notification with more detail will be sent within 30 minutes.
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