Payment Processors · reliability comparison
PayPal vs SumUp: which is more reliable? (2026)
PayPal is more reliable than SumUp, scoring 80.0 vs 54.2 out of 100. Over the last 90 days PayPal reported 3 incidents and SumUp reported 5, with effective uptime of 99.92% and 98.98% respectively. PayPal resolves incidents faster on average (3h 3m).
Data updated Nov 2, 2026 · How we score
| Metric | PayPal | SumUp |
|---|---|---|
| Reliability score | 80.0 | 54.2 |
| Rank (payment processors) | #7 | #9 |
| Uptime (90 days) | 99.92% | 98.98% |
| Incidents (90 days) | 3 | 5 |
| Partial / major outages | 0 | 1 |
| Avg time to resolve | 3h 3m | 19h 59m |
| Outages we detected | 1 | 0 |
| Transparency score | 50/100 | 100/100 |
Where PayPal and SumUp differ
- SumUp reported 67% more incidents than PayPal over the last 90 days (5 vs 3).
- SumUp had 1 partial or major outage, compared with 0 for PayPal.
- PayPal fixes problems faster: 3h 3m on average, against 19h 59m for SumUp (6.5× quicker).
- PayPal's longest incident on record lasted 4h 20m (Oct 22, 2026); SumUp's lasted 3h 2m (Jun 27, 2026).
- Our own probes detected 1 outage at PayPal and 0 at SumUp, of which 0 and 0 respectively were acknowledged on their status pages.
90-day uptime
PayPal
SumUp
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
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
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: Tap to Pay on Android, Card Readers, Card Readers: Air & 3G, Card Readers: Top & Top NFC, Logins, Card Readers: Total, On & Super +7 more
- MaintenanceAug 15, 2026 · ongoing
Transactions processing delay in UK
Affected: Business Account (EU)