Payment Processors · reliability comparison
Stripe vs SumUp: which is more reliable? (2026)
Stripe is more reliable than SumUp, scoring 89.7 vs 54.2 out of 100. Over the last 90 days Stripe reported 28 incidents and SumUp reported 5, with effective uptime of 99.99% and 98.98% respectively. Stripe resolves incidents faster on average (19m).
Data updated Nov 1, 2026 · How we score
| Metric | Stripe | SumUp |
|---|---|---|
| Reliability score | 89.7 | 54.2 |
| Rank (payment processors) | #4 | #7 |
| Uptime (90 days) | 99.99% | 98.98% |
| Incidents (90 days) | 28 | 5 |
| Partial / major outages | 1 | 1 |
| Avg time to resolve | 19m | 19h 59m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Stripe and SumUp differ
- Stripe reported 5.6× as many incidents as SumUp over the last 90 days (28 vs 5).
- Stripe fixes problems faster: 19m on average, against 19h 59m for SumUp (64.1× quicker).
- Stripe's longest outage on record lasted 2h 52m (May 16, 2026); SumUp's lasted 3h 2m (Jun 27, 2026).
90-day uptime
Stripe
SumUp
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
Recent Stripe incidents
- InformationalNov 1, 2026 · resolved in 2h 5m
Elevated Instant Payouts failures
Affected: Stripe core components
- InformationalOct 24, 2026 · resolved in 1h
Affected: Acquirers and payment methods
- InformationalOct 22, 2026 · resolved in 3h 36m
Affected: Acquirers and payment methods
- InformationalOct 22, 2026 · resolved in 2h 25m
Affected: Acquirers and payment methods
- InformationalOct 20, 2026 · resolved in 2h 18m
Spike in cancellations and expired errors with PayByBank payments
Affected: Acquirers and payment methods
- InformationalOct 20, 2026 · resolved in 9h 33m
Affected: Acquirers and payment methods
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: Refunds, Card Readers, Payouts, Payment Links, Card Readers: Air & 3G, Card Readers: Top & Top NFC +7 more
- MaintenanceAug 15, 2026 · ongoing
Transactions processing delay in UK
Affected: Business Account (EU)