ForumPay: обзор

What the all-inclusive fee covers#

The provider's own description of its fee is unusually complete: a real-time conversion rate, instant approval, verification of the incoming crypto by a chain-analysis vendor, conversion into fiat or another crypto, and settlement to the receiver's bank account or wallet. One percentage, no monthly charge, no setup cost.

That is why this card records conversion at zero. It is not that conversion is free; it is that the conversion margin is inside the single fee rather than a separate line, and the published example of 0.5% is explicitly for fiat settlement. A merchant comparing this with a provider that lists processing, conversion and payout separately should add those three lines before deciding which is cheaper.

Why the floor is a floor#

The fee depends on processing type, transaction volume and average transaction value, in the provider's own words. That is the language of a negotiated schedule, and it means a small merchant with low tickets should expect a figure above the published example.

Ask for a written schedule that names the tiers. The provider publishes the components of the fee, which is more than most, and the missing piece is the table that maps volume to rate. Without it, the card is honest about what the fee includes and vague about what it is.

Settlement cadence, stated#

Settlement is initiated at the end of every business day when the balance exceeds a minimum, and at the end of every week as an absolute floor. Published cadences are rare in this index, and this one is precise enough to plan cash flow around.

The conversion happens at payment time rather than at settlement, so the merchant is not carrying price risk between the two. That is the property finance teams usually want and rarely get stated, and it is what makes the daily cadence useful rather than merely fast.

Retail is a real flow here#

The terminal and the point-of-sale app are products in their own right rather than a QR code bolted onto an ecommerce gateway. For a physical retailer that is the difference between a checkout a cashier can run and a demo a founder can run.

Payouts are also documented, covering wallet payments and buy orders from a merchant balance, which means the outbound direction exists. It is not positioned as a mass payout product at scale, so a platform paying thousands of people should ask about limits before assuming the feature matches its volume.

What is not published#

The asset list is described as major cryptocurrencies rather than counted, and the networks recorded here are the ones named across the provider's pages. The company's founding date and the contracting entity are not stated on the pages checked, though the provider refers to regulatory registrations in more than one region.

White label and recurring billing are not mentioned. Both are marked not disclosed rather than absent. A merchant onboarding is business verification, and the provider states that it screens incoming transactions, so a business in a vertical sensitive to chain analysis should raise that before integrating.

Who should not choose this#

A merchant that wants to hold the crypto it receives. The product converts at payment time by design, and asking it to settle in the asset received is asking it to be a different product.

A very small merchant with low tickets who needs the published rate rather than a negotiated one. The 0.5% is reachable, but it is reached by volume, and the card says so.

How this card scores where it does#

Cost scores well on the completeness of what the fee includes and loses ground on the missing tier table. Coverage scores on fiat settlement across regions and physical retail, and loses a point for the uncounted asset list.

Onboarding is a documented KYB with no stated timeline. Integrations cover the main open-source carts and the terminal, and support carries a published set of channels. Reweight on the methodology page if physical retail matters more to you than the online plugin list.

Where ForumPay sits in the index#

One fee, converted at payment, settled daily, with a terminal for the counter. The figures above were read from the payment gateway page and the provider's own fee explainer on 2026-09-06.

The comparison worth reading is ForumPay against CoinGate: both settle fiat in Europe, one publishes every fee line separately and one bundles them into one number. Whether you prefer the itemised table or the single figure is a question about your finance team rather than about either provider.