Payment Processors · reliability comparison
GoCardless vs Square Payments: which is more reliable? (2026)
Square Payments is more reliable than GoCardless, scoring 53.3 vs 38.0 out of 100. Over the last 90 days GoCardless reported 8 incidents and Square Payments reported 12, with effective uptime of 97.84% and 98.93% respectively. Square Payments resolves incidents faster on average (12h 49m).
Data updated Nov 1, 2026 · How we score
VS
| Metric | GoCardless | Square Payments |
|---|---|---|
| Reliability score | 38.0 | 53.3 |
| Rank (payment processors) | #12 | #8 |
| Uptime (90 days) | 97.84% | 98.93% |
| Incidents (90 days) | 8 | 12 |
| Partial / major outages | 2 | 0 |
| Avg time to resolve | 1d 19h | 12h 49m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where GoCardless and Square Payments differ
- Square Payments reported 50% more incidents than GoCardless over the last 90 days (12 vs 8).
- GoCardless had 2 partial or major outages, compared with 0 for Square Payments.
- Square Payments fixes problems faster: 12h 49m on average, against 1d 19h for GoCardless (3.4× quicker).
- GoCardless's longest outage on record lasted 1d 1h (May 19, 2026); Square Payments's lasted 17h 43m (Apr 30, 2026).
90-day uptime
GoCardless
Square Payments
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
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
Affected: Reporting
- InformationalSep 4, 2026 · resolved in 16d 19h
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