Payment Processors · reliability comparison
GoCardless vs Stripe: which is more reliable? (2026)
Stripe is more reliable than GoCardless, scoring 89.7 vs 38.0 out of 100. Over the last 90 days GoCardless reported 8 incidents and Stripe reported 28, with effective uptime of 97.84% and 99.99% respectively. Stripe resolves incidents faster on average (19m).
Data updated Nov 2, 2026 · How we score
| Metric | GoCardless | Stripe |
|---|---|---|
| Reliability score | 38.0 | 89.7 |
| Rank (payment processors) | #14 | #4 |
| Uptime (90 days) | 97.84% | 99.99% |
| Incidents (90 days) | 8 | 28 |
| Partial / major outages | 2 | 1 |
| Avg time to resolve | 1d 19h | 19m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where GoCardless and Stripe differ
- Stripe reported 3.5× as many incidents as GoCardless over the last 90 days (28 vs 8).
- GoCardless had 2 partial or major outages, compared with 1 for Stripe.
- Stripe fixes problems faster: 19m on average, against 1d 19h for GoCardless (138.4× quicker).
- GoCardless's longest outage on record lasted 1d 1h (May 19, 2026); Stripe's lasted 2h 52m (May 16, 2026).
90-day uptime
GoCardless
Stripe
- 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 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