Payment Processors · reliability comparison
Authorize.net vs GoCardless: which is more reliable? (2026)
Authorize.net and GoCardless are effectively tied on reliability (39.3 vs 38.0). Over the last 90 days Authorize.net reported 8 incidents and GoCardless reported 8, with effective uptime of 97.93% and 97.84% respectively. Authorize.net resolves incidents faster on average (1d).
Data updated Nov 2, 2026 · How we score
| Metric | Authorize.net | GoCardless |
|---|---|---|
| Reliability score | 39.3 | 38.0 |
| Rank (payment processors) | #13 | #14 |
| Uptime (90 days) | 97.93% | 97.84% |
| Incidents (90 days) | 8 | 8 |
| Partial / major outages | 4 | 2 |
| Avg time to resolve | 1d | 1d 19h |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Authorize.net and GoCardless differ
- Authorize.net had 4 partial or major outages, compared with 2 for GoCardless.
- Authorize.net fixes problems faster: 1d on average, against 1d 19h for GoCardless.
- Authorize.net's longest outage on record lasted 3d (Jul 1, 2026); GoCardless's lasted 1d 1h (May 19, 2026).
90-day uptime
Authorize.net
GoCardless
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
Recent Authorize.net incidents
- InformationalSep 13, 2026 · resolved in <1m
CreateTransaction API calls Failing
Affected: Authorize.net API
- Partial outageSep 7, 2026 · resolved in 22h 23m
API Connection/Endpoint Service Disruptionofficial update ↗
Affected: Authorize.net API
- Degraded performanceSep 2, 2026 · resolved in 2h 29m
Customer Invoicing Service Disruption
Affected: Customer Invoicing
- Degraded performanceAug 20, 2026 · resolved in 1d 5h
API Connection/Endpoint - Server Integration Method (SIM) Relay Response Issue
Affected: Server Integration Method (SIM)
- Partial outageAug 14, 2026 · resolved in 7h 56m
API Connection/Endpoint Service Disruptionofficial update ↗
Affected: Accept Suite
- Partial outageAug 13, 2026 · resolved in 1d 1h
NAB EPX Processing Service Disruptionofficial update ↗
Affected: NAB EPX
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
Intermittent ARUDD-8 failures for Nationwide Bank
Affected: Submissions
- Partial outageSep 21, 2026 · resolved in 1d
Delayed BACS reportsofficial update ↗
Affected: Reporting
- InformationalSep 4, 2026 · resolved in 16d 19h