Mastercard 3D Secure (3DS) Authentication Failures

Incident Report for Shift4

Resolved

Mastercard has confirmed that the issue affecting Mastercard 3DS (Identity Check) authentication has now been resolved.

Services have returned to normal, and transactions requiring Mastercard 3DS authentication are processing as expected.

We will continue to monitor the service to ensure stability.

We appreciate your patience while the issue was being resolved.
Posted Jul 15, 2026 - 14:09 UTC

Monitoring

We have observed that Mastercard 3D Secure (Identity Check) authentication services appear to have recovered, and transaction authentication success rates have returned to expected levels.

At this time, the issue appears to be resolved; however, we are continuing to actively monitor the service while Mastercard continues to monitor service stability.

We will provide a further update once the incident has been fully confirmed as resolved.
Posted Jul 15, 2026 - 08:21 UTC

Identified

We are aware of an issue affecting Mastercard 3D Secure (Identity Check) authentication.

Impact
Customers may experience intermittent authentication failures when attempting Mastercard 3DS-secured transactions. This may result in some transactions being declined or unable to complete authentication.

Based on information provided by Mastercard, the issue originates within the Mastercard Identity Check (3DS) service. Mastercard has confirmed they are actively investigating the incident.

We are continuing to monitor the situation closely and will provide further updates as more information becomes available from Mastercard.
Posted Jul 15, 2026 - 08:01 UTC
This incident affected: Payments Platform Canada/UK/EU (EU 3D Secure).