Outage in Stripe
Elevated 3DS errors on Mastercard transactions
Resolved MinorIncident Report
Summary AI Generated
Stripe experienced elevated 3D Secure errors on Mastercard transactions from 07:00 to 09:06 UTC on July 15, 2026, caused by an expired certificate on Mastercard's upstream service. The issue affected acquirers and payment methods, disrupting Mastercard transaction processing for approximately 1.6 hours. Mastercard resolved the incident by rotating the certificate, after which Stripe confirmed all certificates were valid and transactions returned to normal.
We’re observing elevated 3DS errors for Mastercard transactions starting 07:00 UTC. We are engaging with the Mastercard team and we will provide an update as soon as we have more information.
Components affected
Stripe Acquirers and payment methodsTrusted by 1,000+ teams
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Latest Updates ( sorted recent to last )
RESOLVED
3 days ago - at 07/15/2026 09:42AM
From 2026-07-15 07:00:00 UTC to 09:06:00 UTC, we experienced elevated 3D Secure errors on Mastercard transactions due to an expired certificate on the upstream Mastercard service. Mastercard identified and resolved the issue on their end. We have verified that all certificates are now valid and transactions are processing normally.
MONITORING
3 days ago - at 07/15/2026 09:17AM
As of 09:06 UTC, we can confirm that the elevated 3D Secure errors on Mastercard transactions have recovered following certificate rotation by Mastercard. We're continuing to validate that this issue is fully resolved and will provide further updates once we have observed sustained recovery.
INVESTIGATING
3 days ago - at 07/15/2026 09:01AM
We are starting to see improvement in the elevated 3D Secure errors affecting Mastercard transactions. The impact still continues however Stripe engagement with Mastercard teams continue. We will provide further updates once we have observed recovery.
IDENTIFIED
3 days ago - at 07/15/2026 08:06AM
We’re observing elevated 3DS errors for Mastercard transactions starting 07:00 UTC. We are engaging with the Mastercard team and we will provide an update as soon as we have more information.
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