Лучшие альтернативы ForumPay в 2026 году

What you would be giving up#

One fee that includes conversion, screening and settlement, daily settlement above a minimum, and a hardware terminal that treats the counter as a first-class flow. For a physical retailer that combination is rare, and only one of the replacements below sells a terminal at all.

A merchant leaving should separate the reasons. If it is the unpublished tier schedule, two replacements print theirs. If it is the forced conversion, one replacement keeps the asset. If it is the counter, the list gets short.

If the negotiated fee was the reason#

The floor is real and it is reached by volume, which a small merchant with low tickets will not have. CoinGate charges a flat 1% and prints every other line, and BitPay prints its tiers from 2% down to 1% at stated thresholds. Both are more expensive than the ForumPay floor and more predictable than the ForumPay entry rate.

Crypto.com Pay publishes zero on the transaction and half a percent at settlement, which is cheaper than any of them for a merchant whose currency it settles.

If holding crypto was the reason#

ForumPay converts at payment by design, and asking it not to is asking for a different product. NOWPayments is that product: non-custodial, 350 assets, settlement into a wallet you control, and no fiat leg at all.

That trade removes the bank from the flow entirely, which is either the point or a problem depending on the finance function. The volatility guide covers what holding actually costs.

Where each replacement is genuinely better#

CoinGate on disclosure: the most complete fee table in the index against a bundled number. BitPay on cadence and history: daily settlement since 2011. NOWPayments on custody and breadth. Crypto.com Pay on published fiat cost and plugin count.

None of them sells a hardware terminal. A retailer for whom the counter is the point should read the ForumPay card again before reading any of these.

What the switch costs#

Online, little: the replacements cover WooCommerce, Magento, PrestaShop and OpenCart between them. In store, the terminal has no like-for-like successor here, and the merchant app on the Crypto.com side is the nearest thing.

The daily settlement cadence is the other loss. BitPay matches it; the rest settle on request or weekly, and cash-flow planning changes accordingly.

Before you move#

Ask ForumPay for the tier schedule in writing before deciding the fee is the problem. A written table may put your actual rate closer to the floor than the entry conversation suggested, and switching on a misunderstanding is expensive.

Then ask each replacement the same three questions on the same day: the rate at your volume, the settlement currency to your country, and the verification timeline. Score the written answers.