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Elevated 3DS errors on Mastercard transactions

ResolvedminorOfficial source confirmedSpecific component onlyFirst recorded update Jul 15, 2026, 08:06 AM · Resolved Jul 15, 2026, 09:42 AM

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.

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What visitors reported during this incident

No visitor reports were filed for this incident.

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Affected services

Acquirers and payment methods

Updates (4)

  1. Jul 15, 2026, 09:42 AM
    Elevated 3DS errors on Mastercard transactions

    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.

    Stripe ↗
  2. Jul 15, 2026, 09:17 AM
    Elevated 3DS errors on Mastercard transactions

    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.

    Stripe ↗
  3. Jul 15, 2026, 09:01 AM
    Elevated 3DS errors on Mastercard transactions

    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.

    Stripe ↗
  4. Jul 15, 2026, 08:06 AM
    Elevated 3DS errors on Mastercard transactions

    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.

    Stripe ↗

What to do next

  • Verify your own services recovered cleanly. Some upstream outages leave queues or caches in a degraded state, run smoke tests before declaring green internally.
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  • Watch the provider going forward. Follow Stripe's status feed →

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