Resolved after 4 hours 37 minutes, affecting Opayo (formerly SagePay), on July 15, 2026.
Mastercard have a fix in place to resolve the issue, and all 3D secure errors for Mastercard users should be resolved for clients using the Opayo gateway (UK/IE only).
Affected components
Update timeline
- identified Jul 15, 2026, 12:07 PM UTC
There is currently an issue with a higher level of 3D secure-related errors specifically for Mastercard users for clients using the Opayo payment gateway (UK/IE only). Spektrix Payments users and all Visa and American Express cards are unaffected at this time. There is an Opayo/Elavon status page with more information here: https://status.elavon.eu/components/62b9a81ca877244a553a0668 We will continue to update here as we receive more information from Opayo. We are in direct communication with them as they work to resolve this issue.
- identified Jul 15, 2026, 01:04 PM UTC
Mastercard are continuing their investigation into the issue with increased 3D secure-related errors for Mastercard users for clients using the Opayo payment gateway (UK/IE only). We will continue to update here as we receive further information on the issue.
- resolved Jul 15, 2026, 04:44 PM UTC
Mastercard have a fix in place to resolve the issue, and all 3D secure errors for Mastercard users should be resolved for clients using the Opayo gateway (UK/IE only).
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