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