Payment Processors · reliability comparison
Authorize.net vs Square Payments: which is more reliable? (2026)
Square Payments is more reliable than Authorize.net, scoring 53.3 vs 39.3 out of 100. Over the last 90 days Authorize.net reported 8 incidents and Square Payments reported 12, with effective uptime of 97.93% and 98.93% respectively. Square Payments resolves incidents faster on average (12h 49m).
Data updated Nov 1, 2026 · How we score
| Metric | Authorize.net | Square Payments |
|---|---|---|
| Reliability score | 39.3 | 53.3 |
| Rank (payment processors) | #13 | #10 |
| Uptime (90 days) | 97.93% | 98.93% |
| Incidents (90 days) | 8 | 12 |
| Partial / major outages | 4 | 0 |
| Avg time to resolve | 1d | 12h 49m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Authorize.net and Square Payments differ
- Square Payments reported 50% more incidents than Authorize.net over the last 90 days (12 vs 8).
- Authorize.net had 4 partial or major outages, compared with 0 for Square Payments.
- Square Payments fixes problems faster: 12h 49m on average, against 1d for Authorize.net.
- Authorize.net's longest outage on record lasted 3d (Jul 1, 2026); Square Payments's lasted 17h 43m (Apr 30, 2026).
90-day uptime
Authorize.net
Square Payments
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
Recent Authorize.net incidents
- InformationalSep 13, 2026 · resolved in <1m
CreateTransaction API calls Failing
Affected: Authorize.net API
- Partial outageSep 7, 2026 · resolved in 22h 23m
API Connection/Endpoint Service Disruptionofficial update ↗
Affected: Authorize.net API
- Degraded performanceSep 2, 2026 · resolved in 2h 29m
Customer Invoicing Service Disruption
Affected: Customer Invoicing
- Degraded performanceAug 20, 2026 · resolved in 1d 5h
API Connection/Endpoint - Server Integration Method (SIM) Relay Response Issue
Affected: Server Integration Method (SIM)
- Partial outageAug 14, 2026 · resolved in 7h 56m
API Connection/Endpoint Service Disruptionofficial update ↗
Affected: Accept Suite
- Partial outageAug 13, 2026 · resolved in 1d 1h
NAB EPX Processing Service Disruptionofficial update ↗
Affected: NAB EPX
Recent Square Payments incidents
- Degraded performanceSep 27, 2026 · resolved in 4h 25m
- Degraded performanceSep 24, 2026 · resolved in 12m
- Degraded performanceSep 21, 2026 · resolved in 2d 4h
- Degraded performanceSep 18, 2026 · resolved in 3h 54m
- Degraded performanceSep 18, 2026 · resolved in 15h 7m
- Degraded performanceSep 16, 2026 · resolved in 34m