Elevated Failure Rate for EMV3DS Challenged Transactions


Arcot confirms that the elevated rate in challenge transaction failures observed earlier now stands resolved. Internal teams were able to take necessary actions to restore challenge transaction health and with this update we confirm that the incident stands resolved.


Arcot monitoring has detected an elevated rate of challenge transaction failures. Our internal teams are engaged at this point who are investigating and also working on service recovery on priority.

Impact: 3DS processing may experience increased latency resulting in transaction failures for cardholder for their challenge transactions. We confirm that the frictionless transaction processing continues to stay unimpacted. Depending on merchant specific business logic, these impacted challenge transactions may not have been authorized and would have eventually failed.

We shall get back to you with the next update by 0445 HRS GMT.

Began at:

Affected components
  • Arcot
    • Arcot for Issuers (AfI)
      • SecureT