The issue started at 09:21, we see a high number of failed 3Dsecure Authentication sessions. Mastercard sends out a Global incident on there Securecode that is Mastercards version of 3Dsecure. In most cases a cardholder is authenticated via 3Dsecure. Transaction with a LVP exemption or TRA-exemption do not go trough 3Dsecure Authentication. Also Payments via a Wallet linr ApplePAY and GooglePAY do not need additional 3Dsecure verification.
Mastercard offers a solution to bypass 3Dsecure verification if 3Dsecure is unavailable. We used this indicator to continue processing. Not all banks accept non 3Dtransaction with that indicator, but 71% of transactions could be completed successfully.
We see a high peak on failures between 09:21 and 10:30, the incident is fully resolved after 13:28, at that moment we saw the lasts' successful transaction with the ‘3Ds unavailable indicator’.