Are your card payments reliable — and are you paying too much?
SupplyIndex is building an independent benchmark of UK merchant payment providers, combining public incident monitoring, settlement and contract transparency, and verified card-processing statements from practices.
No public shaming. No guesswork. The index is based on source-backed public data and verified merchant-submitted statements.
Card payments touch almost every practice transaction
Card processing is one of the few costs that touches almost every transaction in a practice. When payments fail, settlements are delayed, fees are opaque, or support is slow, the cost is not just the processing rate — it is lost revenue, admin time and cashflow risk.
What the index will measure
The index will combine public provider signals with evidence submitted privately by practices. Scores will only be published where there is enough evidence to support them.
Initial UK provider table
This is not a ranking. The first version maps coverage, source availability and statement benchmarking status before any provider grades are published.
| Provider | Public status page found | Payment status monitored | Settlement/payout status monitored | Merchant statement benchmarking | Notes |
|---|---|---|---|---|---|
| Worldpay / Access Worldpay | Yes | Yes | Yes | Coming soon | Component-level status source identified for card payments, 3DS, tokens, payouts and hosted payment pages. |
| Dojo | Yes | Yes | Yes | Coming soon | Incident history source identified for transfers, in-person payments, transaction reporting and support notices. |
| Stripe | Yes | Yes | Partial | Coming soon | Global public status and historical system performance source identified. |
| SumUp | Yes | Yes | Partial | Coming soon | Europe status source identified for POS, payments, reports and related services. |
| Square | Yes | Yes | Yes | Coming soon | UK status source identified for payment acceptance, transfers, virtual terminal, hardware and support. |
| Zettle / PayPal | To verify | To verify | To verify | Coming soon | Provider coverage planned. UK-relevant payment and payout source mapping to verify before scoring. |
| Adyen | Yes | Partial | Partial | Coming soon | Incident-history source identified. Component mapping to payment acceptance and payout categories to verify. |
| Elavon | Yes | Yes | Yes | Coming soon | EU status source identified for authorisation, point-of-sale devices, gateways and funding components. |
| Global Payments | To verify | To verify | To verify | Coming soon | Provider coverage planned. Public source mapping and UK merchant statement benchmarking are not yet live. |
| Worldline | Yes | Partial | Partial | Coming soon | Online payments platform status source identified. UK clinic-relevant component mapping to verify. |
| Barclaycard Payments | To verify | To verify | To verify | Coming soon | Provider coverage planned. Public status source and settlement components to verify before scoring. |
| Lloyds Cardnet | To verify | To verify | To verify | Coming soon | Provider coverage planned. Public status source and merchant-statement benchmarks coming soon. |
| takepayments | To verify | To verify | To verify | Coming soon | Provider coverage planned. Public status source and statement benchmarking to verify. |
| Tyl by NatWest | To verify | To verify | To verify | Coming soon | Provider coverage planned. Public status source and settlement visibility to verify. |
Labels such as “Source identified”, “To verify” and “Coming soon” are deliberately cautious. SupplyIndex will not publish grades until there is enough evidence.
Official and public status sources are the first input
The first version monitors official or public provider status sources where they are available, then combines that with practice-submitted merchant evidence.
Public status pages do not capture every local terminal, mobile network, POS or card-issuer problem. For that reason, SupplyIndex does not treat status-page data as the whole truth. It is one input in a broader reliability and transparency benchmark.
The real benchmark comes from merchant statements
Most practices do not know their true effective processing rate. A headline percentage rarely includes every cost. SupplyIndex will benchmark real card-processing statements across comparable practices so owners can see whether their provider is competitive.
Practice identity is not shown publicly. Benchmarks are anonymised and aggregated.
Three inputs, published cautiously
The index is designed to help practice owners compare providers without reducing complex payment problems to a single unsupported score.
Scores will only be published where there is enough evidence to support them.
What this is not
The index is built to be commercially useful, but it should not be mistaken for a guarantee, outage service or paid directory.
A guarantee that a provider will never fail
A live outage alerting service
A claim that every failed transaction is caused by the merchant provider
A ranking based only on online reviews
A paid-for directory
It is a structured benchmark designed to help practices ask better questions, negotiate better terms and avoid avoidable payment risk.
Merchant Payments Reliability Index FAQs
Help build the benchmark
If your practice takes card payments, your merchant statement can help build a fairer benchmark for the sector — and show whether you are overpaying.