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Cardstream Payment Gateway Operational
OBN Operational
Operational
Degraded Performance
Partial Outage
Major Outage
Maintenance

Scheduled Maintenance

Routine maintenance on the OBN platform on 25 May 2026 May 25, 2026 08:00-09:00 BST

You are advised that on Bank Holiday Monday 25th May 2026, the OBN Portal, OBN APIs, and Open Banking transaction services via OBN may be unavailable for up to 60 minutes between 8:00am and 9:00am UK time for scheduled maintenance. Card payment authorisation/acceptance services will be unaffected.

Kind regards
Cardstream Support
Posted on May 06, 2026 - 16:24 BST
May 14, 2026

No incidents reported today.

May 13, 2026

No incidents reported.

May 12, 2026
Cashflows Transaction Processing
Resolved - This incident has been resolved.
May 12, 16:27 BST
Monitoring - Cardstream has seen Cashflows transaction authorisation rates resume to normal levels.

Our engineers continue to monitor.
May 12, 15:15 BST
Investigating - Cardstream has seen an increase in Acquirer errors for Cashflows transactions.

Cashflows has confirmed that they have identified the root cause and are now looking to restore service.
May 12, 15:02 BST
May 11, 2026

No incidents reported.

May 10, 2026

No incidents reported.

May 9, 2026

No incidents reported.

May 8, 2026

No incidents reported.

May 7, 2026

No incidents reported.

May 6, 2026
3-D Secure Transaction Authorisation
Resolved - This incident has been resolved.
May 6, 16:13 BST
Monitoring - Cardstream can confirm that 3-D Secure Authentication rates have returned to normal.

We continue to monitor.
May 6, 13:59 BST
Identified - Cardstream has seen an increase in 3-D Secure transaction errors for several Issuers, due to the unavailability of their chosen Access Control Server (ACS).

We continue to monitor authorisation rates.
May 6, 12:00 BST
Cardstream Routine Maintenance
Completed - The scheduled maintenance has been completed.
May 6, 04:55 BST
In progress - Scheduled maintenance is currently in progress. We will provide updates as necessary.
May 6, 04:00 BST
Scheduled - Cardstream will be carrying out routine maintenance on the Gateway.

You are advised that transaction processing, APIs, and the Merchant Management System (MMS) may become intermittently unavailable during this time.

A further communication will be sent once the maintenance has started and completed.

Kind regards
Cardstream Support
Apr 27, 16:52 BST
May 5, 2026

No incidents reported.

May 4, 2026

No incidents reported.

May 3, 2026

No incidents reported.

May 2, 2026

No incidents reported.

May 1, 2026
EmerchantPay Transaction Processing
Resolved - This incident has been resolved.
May 1, 08:57 BST
Monitoring - Cardstream has seen EmerchantPay transaction auth rates resume to normal levels.

Our engineers continue to monitor.
Apr 30, 20:03 BST
Investigating - Cardstream has seen an increase in Acquirer errors for EmerchantPay transactions.

We are in communication with EmerchantPay, who are also investigating.
Apr 30, 19:34 BST
Apr 30, 2026
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