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+Subject: [INCIDENT] Payment processing degraded — ETA 30 minutes
+
+Team,
+
+We are currently experiencing degraded payment processing for transactions
+above $1,000. Transactions under $1,000 are flowing normally.
+
+Impact:
+  - Affected: Card and ACH payments > $1,000
+  - Unaffected: Sub-$1,000 card, all ACH under $1,000, refunds
+  - Error rate: 12% (baseline <0.5%)
+  - First detected: 14:22 UTC
+  - Current status: Investigating; rollback candidate identified
+
+Root cause so far:
+  - The fraud-scoring service v3.2 update (deployed 14:15 UTC) introduced
+    a latency spike for high-value requests, causing upstream timeouts.
+
+Next update at 14:45 UTC or when resolved, whichever comes first.
+
+— On-call engineering