All Systems Operational

Uptime over the past 90 days. View historical uptime.
COS Production Operational
ACH Operational
Card Management Operational
Card Payments Operational
Checks Operational
Core Operational
Crypto Operational
International Operational
RTP Operational
Webhooks Operational
Wires Operational
XPay Operational
COS Portal Operational
COS Sandbox Operational
ACH Operational
Card Management Operational
Card Payments Operational
Checks Operational
Core Operational
Crypto Operational
International Operational
RTP Operational
Webhooks Operational
Wires Operational
XPay Operational
COS Portal Operational
Operational
Degraded Performance
Partial Outage
Major Outage
Maintenance
Major outage
Partial outage
No downtime recorded on this day.
No data exists for this day.
had a major outage.
had a partial outage.

No incidents or maintenance related to this downtime.

Sep 20, 2026

No incidents reported today.

Sep 19, 2026

No incidents reported.

Sep 18, 2026

No incidents reported.

Sep 17, 2026

Third-Party Incident: VisaNet Authorization Service Disruption
Resolved - Visa has confirmed that the disruption affecting the VisaNet Authorization Service has been fully resolved. Authorization approval rates, provisioning success rates, and latency across all Visa-routed traffic have returned to normal levels.

We have continued to monitor throughout the incident and have confirmed that service is operating as expected. We appreciate your patience and apologize for any disruption this third-party issue may have caused you and your cardholders.
Sep 17, 04:55 EDT
Monitoring - Visa has reported an active disruption affecting the functionality of VisaNet Authorization Service. Visa is currently investigating the cause and has stated it is working urgently to resolve the issue.

Visa Incident #: INC27019348

We are actively monitoring authorization approval rates, provisioning success rates, and latency across all Visa-routed traffic.

We appreciate your patience and apologize for any disruption this third-party issue may cause you and your cardholders.
Sep 17, 04:21 EDT

Sep 16, 2026

Third-Party Incident: Visa Token Service (VTS) Authorization Disruption
Resolved - Visa has confirmed that the disruption affecting Visa Token Service (VTS) — the service that powers Apple Pay and Google Pay card enrollment and transaction processing — has been fully resolved. Per Visa, VTS provisioning and authorization services have been fully restored and are operating normally.

Visa is conducting an internal review of the event to mitigate against future occurrences. Visa has advised there will be no further updates on this incident.

Total incident duration: approximately 2 hours, 2 minutes (14:57 – 16:59 GMT).

Thank you for your patience during this third-party disruption, and we apologize for any inconvenience caused to you and your cardholders.
Sep 16, 14:25 EDT
Monitoring - Visa has reported an active disruption affecting the functionality of Visa Token Service (VTS) — the service that powers Apple Pay and Google Pay card enrollment and transaction processing. Visa is currently investigating the cause and has stated it is working urgently to resolve the issue.

Visa Incident #: INC27017465

We are actively monitoring authorization approval rates, provisioning success rates, and latency across all Visa-routed traffic.

We appreciate your patience and apologize for any disruption this third-party issue may cause you and your cardholders.
Sep 16, 13:33 EDT

Sep 15, 2026

No incidents reported.

Sep 14, 2026

No incidents reported.

Sep 13, 2026

No incidents reported.

Sep 12, 2026

No incidents reported.

Sep 11, 2026

No incidents reported.

Sep 10, 2026

Visa 3DS OTP challenge failures
Resolved - The issue affecting our Visa 3DS step-up flow has been resolved. Cardholders can now complete one-time passcode (OTP) verification normally, and authentication success rates are stable.
Sep 10, 13:14 EDT
Monitoring - We have deployed a fix for the errors in our Visa 3DS step-up flow that were preventing some cardholders from completing their one-time passcode (OTP) verification. Authentication success rates have returned to normal levels, and we are monitoring to confirm full recovery
Sep 10, 11:56 EDT
Identified - We have identified the cause of the errors in our Visa 3DS step-up flow that are preventing some cardholders from completing their one-time passcode (OTP) verification, and we are working to implement a fix. Affected transactions may fail at checkout.
Sep 10, 11:08 EDT
Investigating - We have identified errors in our Visa 3DS step-up flow that are preventing some cardholders from completing their one-time passcode (OTP) verification. Affected transactions may fail at checkout.
Sep 10, 09:22 EDT

Sep 9, 2026

No incidents reported.

Sep 8, 2026

No incidents reported.

Sep 7, 2026

No incidents reported.

Sep 6, 2026

No incidents reported.

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