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ForumPay, a crypto payment infrastructure company, has announced a new payment flow that could meaningfully change how merchants process payments. Customers can now initiate purchases using any Visa or Mastercard, or bank transfers in selected markets, with funds routed automatically through ForumPay’s infrastructure.
The result is a significant one for merchants: they can now offer card and bank payments without registering as a card acceptance business — sidestepping chargeback liability and PCI DSS compliance costs while still receiving exactly the amount invoiced. It represents one of ForumPay’s most ambitious efforts yet to bridge the gap between traditional payment rails and crypto infrastructure.
Built for Modern Payment Acceptance
Businesses increasingly want to offer customers greater flexibility at checkout — but each additional payment method tends to bring additional operational and cost burdens. Card acceptance, in particular, can introduce chargeback exposure, compliance requirements, fraud management responsibilities, and more complex settlement processes — challenges that intensify for organizations operating across multiple markets.
ForumPay’s new payment flow is designed to solve exactly that. Customers can initiate payments using any Visa, Mastercard, or bank transfer in selected markets. Those funds are automatically used to purchase crypto and processed through ForumPay’s existing infrastructure — with all its inherent features and benefits — then converted and settled according to the preferences a merchant has already established.
 
Merchants receive precisely the amount invoiced. If a customer is billed $100, then $100 is credited to the merchant’s preferred bank account.
No Hidden Costs for Merchants
Critically, ForumPay passes the additional card and bank transfer costs directly to the payer. That means merchants pay only their usual crypto acceptance fees — the same fees that would apply to any transaction processed through the platform.
The approach allows businesses to expand the payment methods available at checkout without taking on the compliance architecture, risk, and cost that card acceptance would ordinarily require. Customers get more ways to pay. Merchants keep their existing operational footprint.
About ForumPay
ForumPay is a complete cryptocurrency-to-fiat payment technology firm whose core processing technology helps businesses attract new customers, optimize spending, and increase revenue. Its wallet-agnostic solution enables crypto consumers to spend their preferred cryptocurrency — from any wallet — on everyday goods and services as well as luxury goods, automobiles, real estate, and private jets.
ForumPay eliminates merchant exposure and risk through instant crypto-to-cash conversion, allowing merchants to receive payments in their currency of choice directly into their bank account. The experience is similar to accepting cash, cards, or bank transfers — only simpler, faster, and more secure.
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