how did the massive credit card outage today happen?
edit: this is a root cause analysis question for engineers. please do not shitpost replies about how credit card processing works if you do not have any clue to what actually caused the outage. chase, visa, and mastercard (and maybe others) all had major outages today starting at roughly the same time 🤔 this caused credit card transactions to be unavailable at major retailers such as meijer and quintessential american fine dining restaurants like taco bell. it looks like doordash also was affected in the same timeframe. anyone know what caused it? https://downdetector.com/status/mastercard/ https://downdetector.com/status/visa/ https://downdetector.com/status/chase/
You should learn the difference between banks and processors. Ever notice a visa logo on your Chase card? Why do you think that is?
not sure what the point you're getting at is or how your comment is relevant to my post. my question is about why there were simultaneous outages affecting all three if that's something you have any insight about. no point in posting if you don't.
You are asking a question that makes no sense because you don’t understand how any of this works. Again, why do you think there’s a visa logo on the chase card? If chase could process transactions without visa, it wouldn’t be on there. There is no outage for both. Your entire premise is wrong.
I don’t know the answer, someone in my FB feed mentioned it earlier. I didn’t experience any issues today personally. I did find this article but it doesn’t offer anything new: https://www.nj.com/business/2022/06/nationwide-credit-card-outage-visa-mastercard-customers-report-issues.html?outputType=amp
What the fuck are you talking about. You’re using downdetector to claim a network wide outage…?
no, i received multiple text messages from friends and family about the outage and then combined that with the absolutely massive user-reported outage data on downdetector. are you questioning the fundamental utility of downdetector as a service for users to publicly report when services are down??? if so, i'd love to hear what your alternative is, because to the best of my knowledge, they don't exist when the companies involved themselves don't have status pages or don't update them accurately. the informal data i heard is that all taco bell locations and all meijer locations could not process in-store credit card transactions during the outage, so that's a pretty big fucking deal. obviously companies like this aren't going to come right out and be their own primary source to corroborate the outages. but if you have better information then what's already available on downdetector and twitter, then please provide it.
You’ve mentioned the largest issuer in America + 2 of the largest networks—perhaps the issue was on Chase and their Chase Paymentech. The reason is pretty Open ended question. If chase fails to meet any of required standards for either network or EMVCO, it’s trx will fail. Can be things like failing to get certs in time, bad code added during update to implement new product, can be operational, etc.
yeah, i was really hoping to hear an engineer from e.g., chase, chime in on the postmortem
Here’s the real answer. Nobody knows because the issue still hasn’t been fixed
i see lots of reports and complaints that the issue is still ongoing now days later. pretty shocking for payments companies.
I haven't seen any outages.
You need to learn about how CC transactions work
please clarify what the point you're trying to make is
LMGTFY https://www.forbes.com/advisor/credit-cards/credit-card-processing-how-it-works/