iGaming Payment Providers · reliability comparison

emerchantpay vs TrueLayer: which is more reliable? (2026)

emerchantpay is more reliable than TrueLayer, scoring 91.7 vs 74.6 out of 100. Over the last 90 days emerchantpay reported 4 incidents and TrueLayer reported 20, with effective uptime of 99.97% and 99.72% respectively. TrueLayer resolves incidents faster on average (2h 6m).

Data updated Nov 2, 2026 · How we score

emerchantpay

91.7/100

Operational

Visit emerchantpay ↗

TrueLayer

74.6/100

Operational

Visit TrueLayer ↗
VS
MetricemerchantpayTrueLayer
Reliability score91.774.6
Rank (iGaming payment providers)#4#7
Uptime (90 days)99.97%99.72%
Incidents (90 days)420
Partial / major outages00
Avg time to resolve3h 41m2h 6m
Outages we detected00
Transparency score100/100100/100

Where emerchantpay and TrueLayer differ

  • TrueLayer reported 5× as many incidents as emerchantpay over the last 90 days (20 vs 4).
  • TrueLayer fixes problems faster: 2h 6m on average, against 3h 41m for emerchantpay.
  • emerchantpay's longest outage on record lasted 1h 5m (Jul 15, 2026); TrueLayer's lasted 23h 39m (Jul 29, 2026).

90-day uptime

emerchantpay

Aug 5, 2026 – Sep 22, 2026: no incidentsSep 23, 2026: 97.70% uptime, 1 incident (Degraded performance)Sep 24, 2026 – Nov 2, 2026: no incidents
90 days ago99.974% average daily uptimeToday

TrueLayer

Aug 5, 2026: 94.35% uptime, 1 incident (Degraded performance)Aug 6, 2026 – Aug 27, 2026: no incidentsAug 28, 2026: 100% uptime, 1 incident (Degraded performance)Aug 29, 2026 – Aug 30, 2026: no incidentsAug 31, 2026: 99.79% uptime, 1 incident (Degraded performance)Sep 1, 2026 – Sep 2, 2026: no incidentsSep 3, 2026: 97.76% uptime, 1 incident (Degraded performance)Sep 4, 2026: 95.47% uptime, 1 incident (Degraded performance)Sep 5, 2026 – Sep 7, 2026: no incidentsSep 8, 2026: 99.55% uptime, 1 incident (Degraded performance)Sep 9, 2026: no incidentsSep 10, 2026: 100% uptime, 1 incident (Degraded performance)Sep 11, 2026 – Sep 16, 2026: no incidentsSep 17, 2026: 99.36% uptime, 1 incident (Degraded performance)Sep 18, 2026: no incidentsSep 19, 2026: 98.83% uptime, 1 incident (Degraded performance)Sep 20, 2026 – Sep 21, 2026: no incidentsSep 22, 2026: 97.56% uptime, 1 incident (Degraded performance)Sep 23, 2026 – Sep 24, 2026: no incidentsSep 25, 2026: 99.28% uptime, 1 incident (Degraded performance)Sep 26, 2026 – Sep 29, 2026: no incidentsSep 30, 2026: 100% uptime, 1 incident (Degraded performance)Oct 1, 2026 – Oct 4, 2026: no incidentsOct 5, 2026: 94.89% uptime, 1 incident (Degraded performance)Oct 6, 2026 – Oct 15, 2026: no incidentsOct 16, 2026: 100% uptime, 2 incidents (Degraded performance)Oct 17, 2026: no incidentsOct 18, 2026: 100% uptime, 1 incident (Degraded performance)Oct 19, 2026: no incidentsOct 20, 2026: 99.46% uptime, 1 incident (Degraded performance)Oct 21, 2026: 100% uptime, 1 incident (Degraded performance)Oct 22, 2026: no incidentsOct 23, 2026: 99.03% uptime, 1 incident (Degraded performance)Oct 24, 2026 – Nov 2, 2026: no incidents
90 days ago99.726% average daily uptimeToday

Recent emerchantpay incidents

Full emerchantpay reliability report →

Recent TrueLayer incidents

  • Degraded performanceOct 23, 2026 · resolved in 1h 32m

    PLN Payouts Degraded Performance

    Affected: From 🇪🇺🇵🇱 PPABPLPKXXX

  • Degraded performanceOct 21, 2026 · resolved in <1m

    EUR Payouts Delayed Settlement

    Affected: From 🇪🇺🇮🇪 TRYEIE23XXX, From 🇪🇺🇫🇷 TRYEFRP3XXX, From 🇪🇺🇫🇮 TRYEFIH3XXX, To 🇪🇺🇩🇪 SXPYDEHHXXX, To 🇪🇺🇮🇪 TRYEIE23XXX, To 🇪🇺🇫🇮 TRYEFIH3XXX +4 more

  • Degraded performanceOct 20, 2026 · resolved in 52m

    EUR Payments Delayed Settlement and Failures

    Affected: To 🇪🇺🇪🇪 LHVBEE22XXX, To 🇪🇺🇮🇪 TRYEIE23XXX, From 🇪🇺🇫🇷 TRYEFRP2XXX, From 🇪🇺🇪🇪 LHVBEE22XXX, To 🇪🇺🇩🇪 SXPYDEHHXXX, To 🇪🇺🇫🇷 TRYEFRP2AAA +14 more

  • Degraded performanceOct 18, 2026 · resolved in <1m

    EUR Payments Delayed Settlement

    Affected: To 🇪🇺🇫🇷 TRYEFRP3XXX, To 🇪🇺🇫🇮 TRYEFIH3XXX, From 🇪🇺🇩🇪 SXPYDEHHXXX, From 🇪🇺🇩🇰 SXPYDKKKXXX, From 🇪🇺🇫🇮 TRYEFIH3XXX, To 🇪🇺🇩🇰 SXPYDKKKXXX +4 more

  • Degraded performanceOct 16, 2026 · resolved in <1m

    EUR Payments Delayed Settlement

    Affected: To 🇪🇺🇩🇰 SXPYDKKKXXX, To 🇪🇺🇮🇪 TRYEIE23XXX, To 🇪🇺🇫🇷 TRYEFRP3XXX, To 🇪🇺🇫🇮 TRYEFIH3XXX, From 🇪🇺🇩🇪 SXPYDEHHXXX, From 🇪🇺🇫🇷 TRYEFRP3XXX +4 more

  • Degraded performanceOct 16, 2026 · resolved in <1m

    EUR Payments Delayed Settlement

    Affected: From 🇪🇺🇩🇰 SXPYDKKKXXX, From 🇪🇺🇮🇪 TRYEIE23XXX, From 🇪🇺🇫🇮 TRYEFIH3XXX, To 🇪🇺🇩🇪 SXPYDEHHXXX, To 🇪🇺🇮🇪 TRYEIE23XXX, From 🇪🇺🇩🇪 SXPYDEHHXXX +4 more

Full TrueLayer reliability report →

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