Payment Processors · reliability comparison
GoCardless vs SumUp: which is more reliable? (2026)
SumUp is more reliable than GoCardless, scoring 54.2 vs 38.0 out of 100. Over the last 90 days GoCardless reported 8 incidents and SumUp reported 5, with effective uptime of 97.84% and 98.98% respectively. SumUp resolves incidents faster on average (19h 59m).
Data updated Nov 1, 2026 · How we score
| Metric | GoCardless | SumUp |
|---|---|---|
| Reliability score | 38.0 | 54.2 |
| Rank (payment processors) | #14 | #9 |
| Uptime (90 days) | 97.84% | 98.98% |
| Incidents (90 days) | 8 | 5 |
| Partial / major outages | 2 | 1 |
| Avg time to resolve | 1d 19h | 19h 59m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where GoCardless and SumUp differ
- GoCardless reported 60% more incidents than SumUp over the last 90 days (8 vs 5).
- GoCardless had 2 partial or major outages, compared with 1 for SumUp.
- SumUp fixes problems faster: 19h 59m on average, against 1d 19h for GoCardless (2.2× quicker).
- GoCardless's longest outage on record lasted 1d 1h (May 19, 2026); SumUp's lasted 3h 2m (Jun 27, 2026).
90-day uptime
GoCardless
SumUp
- 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 SumUp incidents
- Degraded performanceOct 29, 2026 · ongoing
- MaintenanceOct 9, 2026 · ongoing
SEPA instant payments will be delayed due to a scheduled maintenance
Affected: Business Account (EU)
- Degraded performanceSep 5, 2026 · resolved in 7h 6m
Multi-Device-Sync and Kitchen Display System (KDS) are not receiving orders
Affected: Kitchen Display System (KDS), Ordering & Floor Plan
- Degraded performanceSep 3, 2026 · resolved in 6d 2h
Touchscreen not responding on POS devices
Affected: SumUp POS, POS Pro
- Degraded performanceAug 17, 2026 · resolved in 10m
Issue with Logins and Payments Acceptance
Affected: Logins, Card Readers: Total, On & Super, Refunds, Tap to Pay on iPhone, Card Readers, Payouts +7 more
- MaintenanceAug 15, 2026 · ongoing
Transactions processing delay in UK
Affected: Business Account (EU)