Payment Processors · reliability comparison
Clover vs GoCardless: which is more reliable? (2026)
Clover is more reliable than GoCardless, scoring 87.8 vs 38.0 out of 100. Over the last 90 days Clover reported 6 incidents and GoCardless reported 8, with effective uptime of 99.88% and 97.84% respectively. Clover resolves incidents faster on average (1h 55m).
Data updated Nov 1, 2026 · How we score
| Metric | Clover | GoCardless |
|---|---|---|
| Reliability score | 87.8 | 38.0 |
| Rank (payment processors) | #4 | #12 |
| Uptime (90 days) | 99.88% | 97.84% |
| Incidents (90 days) | 6 | 8 |
| Partial / major outages | 1 | 2 |
| Avg time to resolve | 1h 55m | 1d 19h |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Clover and GoCardless differ
- GoCardless reported 33% more incidents than Clover over the last 90 days (8 vs 6).
- GoCardless had 2 partial or major outages, compared with 1 for Clover.
- Clover fixes problems faster: 1h 55m on average, against 1d 19h for GoCardless (22.4× quicker).
- Clover's longest outage on record lasted 7h 28m (Jul 7, 2026); GoCardless's lasted 1d 1h (May 19, 2026).
90-day uptime
Clover
GoCardless
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
Recent Clover incidents
- Partial outageOct 21, 2026 · resolved in 2h 45m
Clover is experiencing an issue impacting Ecommerce productsofficial update ↗
Affected: Ecommerce, Online Ordering
- InformationalOct 8, 2026 · resolved in 1h 21m
[NA] Clover experiencing issues with the Customer Engagement Apps
- Degraded performanceSep 22, 2026 · resolved in 28m
[NA]Web dashboard login issues for a small subset of merchants on Safari Browsers
Affected: Dashboard
- Degraded performanceSep 16, 2026 · resolved in 3h 19m
Clover in EMEA is experiencing an issue
Affected: Dashboard, Cloud Pay Display
- Degraded performanceAug 30, 2026 · resolved in 1h 54m
[NA] Clover merchants experiencing issues with payment processing
Affected: North America - Payment Authorization Services
- Degraded performanceAug 25, 2026 · resolved in 1h 10m
Clover in NA is experiencing issues with Cloud Pay Display
Affected: Dashboard, Cloud Pay Display
Recent GoCardless incidents
- InformationalOct 20, 2026 · resolved in 55m
- InformationalOct 12, 2026 · resolved in 2d 23h
- Degraded performanceOct 1, 2026 · resolved in 3d 20h
Bacs Processing Issue Affecting Payments Scheduled for Collection on 2 October
Affected: Submissions
- Degraded performanceSep 24, 2026 · ongoing
- Partial outageSep 21, 2026 · resolved in 1d
Delayed BACS reportsofficial update ↗
Affected: Reporting
- InformationalSep 4, 2026 · resolved in 16d 19h