Payment Processors · reliability comparison
Shift4 Payments vs Stripe: which is more reliable? (2026)
Stripe is more reliable than Shift4 Payments, scoring 89.7 vs 57.8 out of 100. Over the last 90 days Shift4 Payments reported 5 incidents and Stripe reported 28, with effective uptime of 99.36% and 99.99% respectively. Stripe resolves incidents faster on average (19m).
Data updated Nov 1, 2026 · How we score
| Metric | Shift4 Payments | Stripe |
|---|---|---|
| Reliability score | 57.8 | 89.7 |
| Rank (payment processors) | #6 | #3 |
| Uptime (90 days) | 99.36% | 99.99% |
| Incidents (90 days) | 5 | 28 |
| Partial / major outages | 2 | 1 |
| Avg time to resolve | 19h 29m | 19m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Shift4 Payments and Stripe differ
- Stripe reported 5.6× as many incidents as Shift4 Payments over the last 90 days (28 vs 5).
- Shift4 Payments had 2 partial or major outages, compared with 1 for Stripe.
- Stripe fixes problems faster: 19m on average, against 19h 29m for Shift4 Payments (62.5× quicker).
- Shift4 Payments's longest outage on record lasted 3h 24m (Aug 24, 2026); Stripe's lasted 2h 52m (May 16, 2026).
90-day uptime
Shift4 Payments
Stripe
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
Recent Shift4 Payments incidents
- Degraded performanceOct 22, 2026 · resolved in 7d 4h
Affected: Merchant Funding USA, Card Processing
- Degraded performanceOct 22, 2026 · resolved in 1h 29m
Timeouts for US processing 10/22/26
Affected: TSYS, Shift4 Dine POS - US, eCommerce, Shift4 One, Shift4 Venue Payments (US)
- InformationalSep 11, 2026 · resolved in 53m
Affected: Shift4 Dine POS - US, Shift4 Dine POS - Canada, Shift4 Dine POS - UK/EU, Shift4 Dine Mobile, Shift4 Dine Online Ordering, Shift4 Dine Kiosk
- Major outageSep 10, 2026 · resolved in 1h 1m
Affected: Eigen Gateway
- Partial outageAug 24, 2026 · resolved in 3h 24m
Partial Funding Delay - 8-24-2026
Affected: Merchant Funding USA
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