Hands-on Review by Bitcoin.com.

Cryptocurrency has become more than an asset class – it’s a way of paying, investing, and interacting with businesses across industries. Yet for merchants, the leap into accepting digital assets can feel daunting: volatility risk, wallet compatibility, and regulatory hurdles are just a few of the barriers.

ForumPay positions itself as the solution. It’s a global crypto-to-fiat payment processor that allows businesses to accept cryptocurrencies from any wallet, instantly convert them to fiat (USD, EUR, GBP, and more), and settle the proceeds by the next business day. With support for online, point-of-sale (POS), and in-app payments, ForumPay aims to bring crypto consumers and traditional merchants together under one seamless system.

I spent time exploring ForumPay and its merchant dashboard to see how it performs in practice – and how it lives up to its bold promises.

First Impressions – The Merchant Dashboard

Upon logging into ForumPay’s merchant dashboard, the layout is clean and immediately functional. The main screen presents everything a business owner would want at a glance:

• Pending and confirmed transactions

• Average transaction value over the past 7 days

• Total payment volume over the past week
• Balances across supported cryptocurrencies and their fiat equivalents

Recent transactions are also displayed, so it’s easy to track activity in real time. ForumPay supports both individual and business accounts, meaning freelancers, small shops, and large enterprises all use the same solution with the same reliable tools.

Alongside the data, merchants can instantly access quick tools such as:

• Take a Crypto Payment – accept in-person payments directly via a web app.
• Crypto POS Terminal – order hardware for retail environments.
• Widget Integration – embed a payment widget or send payment links by email.
• API Installation – integrate ForumPay directly into POS software or online stores.

Everything feels designed for flexibility, whether you’re a boutique hotel, an e-commerce brand, or a real estate agency.

Taking Payments in Action

Creating a payment link or widget is simple. Fill out a short form, click Apply, and a secure link or button is generated – ready to be sent to a customer or embedded in a webshop. In testing, the system proved wallet-agnostic, meaning customers could pay from any compatible crypto wallet.

Transactions displayed instant fiat conversion within the dashboard. This eliminates the usual volatility risk that discourages many merchants from experimenting with crypto payments. Once completed, funds appear in the settlement queue, ready for next-day payout to a linked bank account.

This fluidity makes ForumPay just as effective in an online checkout as it is at a restaurant counter or luxury boutique. The same technology underpins both POS terminals and digital integrations, showing that the technology has been built with cross-industry adoption in mind.

How a ForumPay Payment Works – Step by Step

To see the full cycle, I followed a typical payment from creation to settlement:

1. Create the payment – From the dashboard, I generated a secure payment link in just a few clicks. ForumPay also lets you create widgets, buttons, or POS requests, but the link was the fastest way to test.
2. Customer pays in crypto – The link opened a payment screen where the customer could send funds from any wallet. Once the transaction was initiated, ForumPay immediately recognized the payment.
3. Instant fiat conversion – Instead of waiting on price swings, the crypto was converted to fiat on the spot. In the dashboard, the balance updated with both the crypto amount and its locked-in fiat equivalent.
4. Settlement to merchant – The transaction was confirmed and queued for payout. ForumPay’s promise of next-day settlement was clearly reflected in the settlement tab, giving merchants predictable access to funds.

From start to finish, the process was quick, seamless, and required no extra steps from either side.

Managing Transactions and Balances

The Manage Transactions section allows merchants to view payment details by type, currency, status, website, and payer email. Each record includes the transaction address, making reconciliation straightforward.

Meanwhile, the Balances tab lists supported cryptocurrencies alongside fiat equivalents, with the option to generate wallets where needed. This dual perspective – crypto and fiat in one dashboard – creates a bridge between two financial systems that are often siloed.

ForumPay supports a wide range of cryptocurrencies – from Bitcoin and Ethereum to stablecoins like USDT and USDC, as well as Litecoin, XRP, and DASH, making it practical for both mainstream and niche use cases.

Advanced Tools – Subscriptions, Payouts, and Customization

ForumPay goes beyond single payments. Merchants can:

• Create Subscription Plans – charge recurring payments in crypto, ideal for SaaS, memberships, or long-term services.
• Manage Subscribers – cancel, pause, or terminate plans with clear controls, giving merchants full oversight of recurring revenue.
• Generate Fixed Payment Addresses – automatically detect incoming blockchain transactions and trigger new payment records.
• Manage Websites and Webhooks – associate payments with specific sites and customize webhook notifications.

For payouts, merchants can either create buy orders or send funds directly to wallets. This makes it easy to handle mass payouts, B2B transactions, or refunds in either crypto or fiat.

Customer management tools add another layer of control. Merchants can manage payers, handle subscriptions, and even block certain accounts when required – all while staying compliant with KYC/AML standards.

Reports, Analytics, and Compliance

A strong advantage of ForumPay is its integrated reporting. Revenue reports, refund tracking, settlement history, approval rates, and even swap transactions are all consolidated into the dashboard.

A dedicated Funding Account ledger tracks all fiat settlements, withdrawals, and deposits separately from payments, ensuring merchants always know exactly where their money stands.

ForumPay also places a strong emphasis on compliance. In addition to built-in KYC/AML processes, the company partners with global leaders such as Chainalysis to verify wallet origins and assure adherence to international standards. Payer data management and transaction validation tools further give merchants peace of mind, particularly in heavily regulated industries like finance, real estate, and gaming. This focus on transparency supports the company’s claim of a 99.99% approval rate with guaranteed payments.

Developer-Friendly Integration

For technical teams, ForumPay offers comprehensive API documentation, webhook support, and GitHub plugins, making it easy to plug the system into existing infrastructure. Whether a business needs lightweight widgets or full POS integration, the crypto payment gateway adapts to different levels of complexity.

Support is also available via a knowledge base and ticket system, ensuring that both small and enterprise-scale merchants have help when needed.

Testing Without Commitment

One useful feature is the ability to explore ForumPay through a test environment before completing the KYC/KYB process. This lets businesses simulate consumer and merchant transactions, experiment with payment links, and explore the dashboard. Once comfortable, merchants can proceed with verification and begin accepting real payments.

Closing Insights

ForumPay sets out to remove the complexity of crypto payments, and in practice, it succeeds. From instant fiat conversion and wallet-agnostic acceptance to next-day settlement and recurring billing, the crypto payment gateway covers both the basics and advanced needs of modern businesses.

What stands out most is versatility. Whether in hospitality, e-commerce, gaming, real estate, or luxury retail, the same dashboard and tools adapt seamlessly. For merchants curious about crypto but wary of volatility or compliance hurdles, ForumPay offers a professional, ready-to-use bridge into the digital asset economy.

________________________________________________________________________

Bitcoin.com does not endorse, promote, or guarantee the accuracy or reliability of any third-party projects, products, or services mentioned herein.

免责声明：本文章仅代表作者个人观点，不代表本平台的立场和观点。本文章仅供信息分享，不构成对任何人的任何投资建议。用户与作者之间的任何争议，与本平台无关。如网页中刊载的文章或图片涉及侵权，请提供相关的权利证明和身份证明发送邮件到support@aicoin.com，本平台相关工作人员将会进行核查。