Payment Processors · reliability comparison
Square Payments vs SumUp: which is more reliable? (2026)
Square Payments and SumUp are effectively tied on reliability (53.3 vs 54.2). Over the last 90 days Square Payments reported 12 incidents and SumUp reported 5, with effective uptime of 98.93% and 98.98% respectively. Square Payments resolves incidents faster on average (12h 49m).
Data updated Nov 1, 2026 · How we score
| Metric | Square Payments | SumUp |
|---|---|---|
| Reliability score | 53.3 | 54.2 |
| Rank (payment processors) | #8 | #7 |
| Uptime (90 days) | 98.93% | 98.98% |
| Incidents (90 days) | 12 | 5 |
| Partial / major outages | 0 | 1 |
| Avg time to resolve | 12h 49m | 19h 59m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Square Payments and SumUp differ
- Square Payments reported 2.4× as many incidents as SumUp over the last 90 days (12 vs 5).
- SumUp had 1 partial or major outage, compared with 0 for Square Payments.
- Square Payments fixes problems faster: 12h 49m on average, against 19h 59m for SumUp.
- Square Payments's longest outage on record lasted 17h 43m (Apr 30, 2026); SumUp's lasted 3h 2m (Jun 27, 2026).
90-day uptime
Square Payments
SumUp
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
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
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: Card Readers: Solo, Card Readers: Air & 3G, Card Readers: Top & Top NFC, Logins, Tap to Pay on Android, Solo Cloud API +7 more
- MaintenanceAug 15, 2026 · ongoing
Transactions processing delay in UK
Affected: Business Account (EU)