Payment Processors · reliability comparison
Clover vs PayPal: which is more reliable? (2026)
PayPal is more reliable than Clover, scoring 90.6 vs 87.8 out of 100. Over the last 90 days Clover reported 6 incidents and PayPal reported 3, with effective uptime of 99.88% and 99.93% respectively. Clover resolves incidents faster on average (1h 55m).
Data updated Nov 1, 2026 · How we score
| Metric | Clover | PayPal |
|---|---|---|
| Reliability score | 87.8 | 90.6 |
| Rank (payment processors) | #5 | #3 |
| Uptime (90 days) | 99.88% | 99.93% |
| Incidents (90 days) | 6 | 3 |
| Partial / major outages | 1 | 0 |
| Avg time to resolve | 1h 55m | 3h 3m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Clover and PayPal differ
- Clover reported 2× as many incidents as PayPal over the last 90 days (6 vs 3).
- Clover had 1 partial or major outage, compared with 0 for PayPal.
- Clover fixes problems faster: 1h 55m on average, against 3h 3m for PayPal.
- Clover's longest outage on record lasted 7h 28m (Jul 7, 2026); PayPal's lasted 4h 20m (Oct 22, 2026).
90-day uptime
Clover
PayPal
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
Recent Clover incidents
- Partial outageOct 21, 2026 · resolved in 2h 45m
Clover is experiencing an issue impacting Ecommerce products
Affected: Ecommerce, Online Ordering
- InformationalOct 8, 2026 · resolved in 1h 21m
[NA] Clover experiencing issues with the Customer Engagement Apps
- Degraded performanceSep 22, 2026 · resolved in 28m
[NA]Web dashboard login issues for a small subset of merchants on Safari Browsers
Affected: Dashboard
- Degraded performanceSep 16, 2026 · resolved in 3h 19m
Clover in EMEA is experiencing an issue
Affected: Dashboard, Cloud Pay Display
- Degraded performanceAug 30, 2026 · resolved in 1h 54m
[NA] Clover merchants experiencing issues with payment processing
Affected: North America - Payment Authorization Services
- Degraded performanceAug 25, 2026 · resolved in 1h 10m
Clover in NA is experiencing issues with Cloud Pay Display
Affected: Dashboard, Cloud Pay Display
Recent PayPal incidents
- Degraded performanceOct 22, 2026 · resolved in 4h 20m
Detected Resolved: Impact to Online Checkout (PP-LIVE-110330)
Affected: Online Checkout
- MaintenanceOct 16, 2026 · resolved in 3h
Initial Notification: PayPal Live Site Maintenance (PP-LIVE-110012)
Affected: Retail Checkout > Mobile In-Store, Retail Checkout > PayPal Here, Online Checkout > Payments Standard (WPS), Online Checkout > Express Checkout, Enterprise Solutions (Braintree) > Pay with Venmo, Hyperwallet > Payouts Processing and Network +1 more
- Degraded performanceOct 11, 2026 · resolved in 3h 39m
Impact to BNPL (Pay Later) authorizations (PP-LIVE-110179)
Affected: REST APIs > Orders, Online Checkout > PayPal Complete Payments (PPCP) - Payment Service
- MaintenanceOct 9, 2026 · resolved in 3h 30m
Initial Notification: PayPal Live Site Maintenance (PP-LIVE-110005)
Affected: Retail Checkout > Mobile In-Store, Online Checkout > Payments Standard (WPS), Online Checkout > Express Checkout, Enterprise Solutions (Braintree) > Pay with Venmo, Homepage > PayPal Homepage, Account > Seller Onboarding +1 more
- MaintenanceOct 2, 2026 · resolved in 3h 30m
Initial Notification: PayPal Live Site Maintenance (PP-LIVE-109883)
Affected: Retail Checkout > Mobile In-Store, Retail Checkout > PayPal Here, Online Checkout > Payments Standard (WPS), Online Checkout > Express Checkout, Enterprise Solutions (Braintree) > Pay with Venmo, Hyperwallet > Payouts Processing and Network +1 more
- MaintenanceSep 25, 2026 · resolved in 3h 30m
Affected: Retail Checkout > Mobile In-Store, Retail Checkout > PayPal Here, Online Checkout > Payments Standard (WPS), Online Checkout > Express Checkout, Enterprise Solutions (Braintree) > Pay with Venmo, Hyperwallet > Payouts Processing and Network +1 more
Other payment processors to consider
- Braintree · #1 · 99.97% uptime
- Paddle · #2 · 99.96% uptime
- Stripe · #4 · 99.99% uptime
- Shift4 Payments · #6 · 99.36% uptime