Payment Processors · reliability comparison
GoCardless vs Shift4 Payments: which is more reliable? (2026)
Shift4 Payments is more reliable than GoCardless, scoring 57.8 vs 38.0 out of 100. Over the last 90 days GoCardless reported 8 incidents and Shift4 Payments reported 5, with effective uptime of 97.84% and 99.36% respectively. Shift4 Payments resolves incidents faster on average (19h 29m).
Data updated Nov 2, 2026 · How we score
| Metric | GoCardless | Shift4 Payments |
|---|---|---|
| Reliability score | 38.0 | 57.8 |
| Rank (payment processors) | #14 | #8 |
| Uptime (90 days) | 97.84% | 99.36% |
| Incidents (90 days) | 8 | 5 |
| Partial / major outages | 2 | 2 |
| Avg time to resolve | 1d 19h | 19h 29m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where GoCardless and Shift4 Payments differ
- GoCardless reported 60% more incidents than Shift4 Payments over the last 90 days (8 vs 5).
- Shift4 Payments fixes problems faster: 19h 29m on average, against 1d 19h for GoCardless (2.2× quicker).
- GoCardless's longest outage on record lasted 1d 1h (May 19, 2026); Shift4 Payments's lasted 3h 24m (Aug 24, 2026).
90-day uptime
GoCardless
Shift4 Payments
- 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
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
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
Eigen Processing Disruptionofficial update ↗
Affected: Eigen Gateway
- Partial outageAug 24, 2026 · resolved in 3h 24m
Partial Funding Delay - 8-24-2026official update ↗
Affected: Merchant Funding USA