Payment Processors · reliability comparison
GoCardless vs Stax: which is more reliable? (2026)
Stax is more reliable than GoCardless, scoring 49.0 vs 38.0 out of 100. Over the last 90 days GoCardless reported 8 incidents and Stax reported 4, with effective uptime of 97.84% and 98.48% respectively. Stax resolves incidents faster on average (21h 59m).
Data updated Nov 1, 2026 · How we score
| Metric | GoCardless | Stax |
|---|---|---|
| Reliability score | 38.0 | 49.0 |
| Rank (payment processors) | #14 | #11 |
| Uptime (90 days) | 97.84% | 98.48% |
| Incidents (90 days) | 8 | 4 |
| Partial / major outages | 2 | 2 |
| Avg time to resolve | 1d 19h | 21h 59m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where GoCardless and Stax differ
- GoCardless reported 2× as many incidents as Stax over the last 90 days (8 vs 4).
- Stax fixes problems faster: 21h 59m on average, against 1d 19h for GoCardless (2.0× quicker).
- GoCardless's longest outage on record lasted 1d 1h (May 19, 2026); Stax's lasted 2d 2h (Oct 27, 2026).
90-day uptime
GoCardless
Stax
- 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
Delayed BACS reportsofficial update ↗
Affected: Reporting
- InformationalSep 4, 2026 · resolved in 16d 19h
Recent Stax incidents
- Partial outageOct 27, 2026 · resolved in 2d 2h
Potential Funding Delayofficial update ↗
Affected: Settlements, Fees, and Payouts
- Partial outageOct 20, 2026 · resolved in 14h 41m
Funding Delay October 20, 2026official update ↗
Affected: Settlements, Fees, and Payouts
- InformationalOct 7, 2026 · resolved in <1m
- Degraded performanceSep 28, 2026 · resolved in 49m
Affected: Scheduled Payments, Stax API