Payment Processors · reliability comparison
Authorize.net vs Stripe: which is more reliable? (2026)
Stripe is more reliable than Authorize.net, scoring 89.7 vs 39.3 out of 100. Over the last 90 days Authorize.net reported 8 incidents and Stripe reported 28, with effective uptime of 97.93% and 99.99% respectively. Stripe resolves incidents faster on average (19m).
Data updated Nov 1, 2026 · How we score
| Metric | Authorize.net | Stripe |
|---|---|---|
| Reliability score | 39.3 | 89.7 |
| Rank (payment processors) | #13 | #4 |
| Uptime (90 days) | 97.93% | 99.99% |
| Incidents (90 days) | 8 | 28 |
| Partial / major outages | 4 | 1 |
| Avg time to resolve | 1d | 19m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Authorize.net and Stripe differ
- Stripe reported 3.5× as many incidents as Authorize.net over the last 90 days (28 vs 8).
- Authorize.net had 4 partial or major outages, compared with 1 for Stripe.
- Stripe fixes problems faster: 19m on average, against 1d for Authorize.net (78.2× quicker).
- Authorize.net's longest outage on record lasted 3d (Jul 1, 2026); Stripe's lasted 2h 52m (May 16, 2026).
90-day uptime
Authorize.net
Stripe
- 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 Stripe incidents
- InformationalNov 1, 2026 · resolved in 2h 5m
Elevated Instant Payouts failures
Affected: Stripe core components
- InformationalOct 24, 2026 · resolved in 1h
Affected: Acquirers and payment methods
- InformationalOct 22, 2026 · resolved in 3h 36m
Affected: Acquirers and payment methods
- InformationalOct 22, 2026 · resolved in 2h 25m
Affected: Acquirers and payment methods
- InformationalOct 20, 2026 · resolved in 2h 18m
Spike in cancellations and expired errors with PayByBank payments
Affected: Acquirers and payment methods
- InformationalOct 20, 2026 · resolved in 9h 33m
Affected: Acquirers and payment methods