Payment Processors · reliability comparison
Clover vs Stripe: which is more reliable? (2026)
Clover and Stripe are effectively tied on reliability (87.8 vs 89.7). Over the last 90 days Clover reported 6 incidents and Stripe reported 28, with effective uptime of 99.88% and 99.99% respectively. Stripe resolves incidents faster on average (19m).
Data updated Nov 1, 2026 · How we score
| Metric | Clover | Stripe |
|---|---|---|
| Reliability score | 87.8 | 89.7 |
| Rank (payment processors) | #5 | #4 |
| Uptime (90 days) | 99.88% | 99.99% |
| Incidents (90 days) | 6 | 28 |
| Partial / major outages | 1 | 1 |
| Avg time to resolve | 1h 55m | 19m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Clover and Stripe differ
- Stripe reported 4.7× as many incidents as Clover over the last 90 days (28 vs 6).
- Stripe fixes problems faster: 19m on average, against 1h 55m for Clover (6.2× quicker).
- Clover's longest outage on record lasted 7h 28m (Jul 7, 2026); Stripe's lasted 2h 52m (May 16, 2026).
90-day uptime
Clover
Stripe
- 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 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
Other payment processors to consider
- Braintree · #1 · 99.97% uptime
- Paddle · #2 · 99.96% uptime
- PayPal · #3 · 99.93% uptime
- Shift4 Payments · #6 · 99.36% uptime