Elevated Failure Rate for EMV3DS Challenged Transactions

Arcot confirms that the elevated rate in challenge transaction failures observed earlier now stands resolved from 14/06/2025 10:19 GMT. Internal teams were able to take necessary actions to restore challenge transaction health and with this update we confirm that the incident stands resolved.

If you have any questions regarding this Service Advisory, please contact Broadcom Support by clicking here.

Arcot has identified certain errors in its network layer and has engaged its vendor teams who are focusing on recovery. Please expect the next update by 1115 HRS GMT.

Impact: Transactions that do not require a challenge step (frictionless) continue to stay un impacted. The cardholder may experience increased latency while being challenged causing the cardholder to abandon the purchase or an error in the challenge window will be presented.

Arcot continue to stay engaged with its internal teams focusing on recovery. Arcot has also engaged its vendor who are also investigating the problem. Please expect the next update by 1015 HRS GMT.

Impact: Transactions that do not require a challenge step (frictionless) will not be impacted. The cardholder may experience increased latency while being challenged causing the cardholder to abandon the purchase or an error in the challenge window will be presented.

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: Transactions that do not require a challenge step (frictionless) will not be impacted. The cardholder may experience increased latency while being challenged causing the cardholder to abandon the purchase or an error in the challenge window will be presented. We shall get back to you with the next update by 0915 HRS GMT.