In recent past we noticed a problem with Bankserv and 3DSecure transactions.
There were some customer cards where Bankserv was taking 20+ seconds to lookup the URL for the authentication page (ACS URL). This caused the transaction to timeout since the system would not receive a response from Bankserv within the original 30 second timeout limit.
We have not worked with Bankserv to increase the timeout value to 35 seconds to make sure we are aligned on the timeout values throughout the chain. This should resolve the problem of Bankerv timeouts going forward.