Payment Processors · reliability comparison
Clover vs Square Payments: which is more reliable? (2026)
Clover is more reliable than Square Payments, scoring 87.8 vs 53.3 out of 100. Over the last 90 days Clover reported 6 incidents and Square Payments reported 12, with effective uptime of 99.88% and 98.93% respectively. Clover resolves incidents faster on average (1h 55m).
Data updated Nov 1, 2026 · How we score
| Metric | Clover | Square Payments |
|---|---|---|
| Reliability score | 87.8 | 53.3 |
| Rank (payment processors) | #4 | #8 |
| Uptime (90 days) | 99.88% | 98.93% |
| Incidents (90 days) | 6 | 12 |
| Partial / major outages | 1 | 0 |
| Avg time to resolve | 1h 55m | 12h 49m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Clover and Square Payments differ
- Square Payments reported 2× as many incidents as Clover over the last 90 days (12 vs 6).
- Clover had 1 partial or major outage, compared with 0 for Square Payments.
- Clover fixes problems faster: 1h 55m on average, against 12h 49m for Square Payments (6.7× quicker).
- Clover's longest outage on record lasted 7h 28m (Jul 7, 2026); Square Payments's lasted 17h 43m (Apr 30, 2026).
90-day uptime
Clover
Square 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 products
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 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