Payment Processors · reliability comparison
Clover vs Shift4 Payments: which is more reliable? (2026)
Clover is more reliable than Shift4 Payments, scoring 87.8 vs 57.8 out of 100. Over the last 90 days Clover reported 6 incidents and Shift4 Payments reported 5, with effective uptime of 99.88% and 99.36% respectively. Clover resolves incidents faster on average (1h 55m).
Data updated Nov 1, 2026 · How we score
| Metric | Clover | Shift4 Payments |
|---|---|---|
| Reliability score | 87.8 | 57.8 |
| Rank (payment processors) | #5 | #8 |
| Uptime (90 days) | 99.88% | 99.36% |
| Incidents (90 days) | 6 | 5 |
| Partial / major outages | 1 | 2 |
| Avg time to resolve | 1h 55m | 19h 29m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Clover and Shift4 Payments differ
- Clover reported 20% more incidents than Shift4 Payments over the last 90 days (6 vs 5).
- Shift4 Payments had 2 partial or major outages, compared with 1 for Clover.
- Clover fixes problems faster: 1h 55m on average, against 19h 29m for Shift4 Payments (10.1× quicker).
- Clover's longest outage on record lasted 7h 28m (Jul 7, 2026); Shift4 Payments's lasted 3h 24m (Aug 24, 2026).
90-day uptime
Clover
Shift4 Payments
- 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 Shift4 Payments incidents
- Degraded performanceOct 22, 2026 · resolved in 7d 4h
Affected: Merchant Funding USA, Card Processing
- Degraded performanceOct 22, 2026 · resolved in 1h 29m
Timeouts for US processing 10/22/26
Affected: TSYS, Shift4 Dine POS - US, eCommerce, Shift4 One, Shift4 Venue Payments (US)
- InformationalSep 11, 2026 · resolved in 53m
Affected: Shift4 Dine POS - US, Shift4 Dine POS - Canada, Shift4 Dine POS - UK/EU, Shift4 Dine Mobile, Shift4 Dine Online Ordering, Shift4 Dine Kiosk
- Major outageSep 10, 2026 · resolved in 1h 1m
Eigen Processing Disruptionofficial update ↗
Affected: Eigen Gateway
- Partial outageAug 24, 2026 · resolved in 3h 24m
Partial Funding Delay - 8-24-2026official update ↗
Affected: Merchant Funding USA