Crypto and stablecoins have become working tools for moving money. Businesses now use them to settle invoices, pay suppliers, fund payouts, and hold balances between markets. They also take payments at checkout. Customer demand is a big part of the reason.
PayPal and the National Cryptocurrency Association conducted a survey in 2026. It showed 88% of U.S. merchants said customers had asked about paying with crypto. 69% said those requests come in at least monthly. Businesses that accept crypto payments now expect more from their providers. Payment platforms and ISOs that serve these businesses have similar expectations.
As such, handling incoming crypto and stablecoin payments requires much more than just a checkout button. Everyday operations involve issuing refunds, converting or maintaining balances, and ensuring seamless reconciliation across all financial transactions. Likewise, payment platforms and ISOs require these robust capabilities readily available to activate for every merchant they onboard.
ForumPay has built outward from its crypto payment gateway to meet those needs. It earned a 2025 Global Recognition Award for its advances in cryptocurrency transaction solutions for that work. The company offers instant conversion and next-business-day settlement as its core services. It also provides in-app payments, subscription billing, refunds, payouts, and treasury management. Payment providers can integrate these services into their own platforms or offer them under their own brands.
This article looks at how the market for crypto and stablecoin payments has expanded, the foundations ForumPay built on, and what its payment infrastructure offers merchants and the platforms that serve them today.
Crypto and stablecoin payments have moved beyond checkout
Stablecoins are playing a fundamental role in driving this transition. Those coins are pegged to currencies such as the U.S. dollar and the euro. Thus, businesses can transfer value across borders at any time. They also avoid the price volatility associated with other digital assets. According to Artemis Analytics, monthly business-to-business stablecoin payments grew from under $100 million at the start of 2023 to more than $6 billion by mid-2025.
Regulation is also giving businesses firmer ground. The EU’s Markets in Crypto-Assets Regulation (MiCA) has been in full effect since December 2024. The regulation requires crypto service providers to obtain authorization. It also requires stablecoin issuers to hold reserves and redeem tokens at face value. These rules help businesses identify their service providers and understand what backs the assets they receive.
Stablecoin Regulations and Growing Demand for Reliable Crypto Payment Solutions
In the U.S., the GENIUS Act, signed into law in July 2025, created the first federal framework for payment stablecoins. It requires issuers to back every token one-to-one with U.S. dollars or similar liquid assets. Issuers must also publish the make-up of their reserves every month. This gives businesses a clear measure of what a dollar stablecoin is worth.
But as usage grows, so does the range of transactions businesses need to support. Affiliate and seller payouts, along with withdrawals from gaming and trading platforms, depend on reliable outgoing payments. Cross-border remittances also require funds to reach recipients reliably. Refunds raise a familiar concern because crypto payments are final once confirmed. Some businesses assume they cannot reverse these payments at all.
Merchants that accept crypto payments look to their gateway, acquirer, or ISO to solve these problems. That leaves a clear gap between what businesses now need and what a checkout-only crypto gateway was built to do. Besides, providers that cannot close it are likely to lose merchants to those that can.
Built to fit crypto into everyday commerce
Price volatility, uncertain confirmations, and slow settlement have long kept businesses wary of crypto. But the premise behind ForumPay’s payment infrastructure was to take those concerns off the table. Thus, businesses can accept crypto payments just as they would any other payment method.
They first enabled customers to pay with any trusted cryptocurrency or stablecoin from any wallet. The system then converts each payment instantly. It locks the price to U.S. dollars, euros, sterling, or another fiat currency at the moment of purchase. Merchants then decide whether each payment converts automatically into fiat or stablecoin or stays as crypto. For those settling in fiat, a $100 sale delivers exactly $100 to their bank account the next business day.
ForumPay was also designed to fit the way businesses already sell. Online, merchants can connect through plugins for Shopify, WooCommerce, Magento, and other popular e-commerce platforms. Or, they can integrate through an iFrame widget or a fully customizable API.
In physical stores, ForumPay works on standalone POS devices and web-based terminals. For high-value and B2B sales, businesses can use invoices and payment links to offer a smooth, user-friendly payment experience. For customers, this creates a checkout experience that integrates with the wallet they already use. It helps merchants keep more sales from falling away at the final hurdle.
ForumPay has also moved early to incorporate new payment models into its offering. It completed its first full in-app integration in 2022. It later released an SDK that allows developers to accept crypto and stablecoin payments inside iOS and Android apps. ForumPay added recurring payments for subscription plans, with reminder emails sent to subscribers before each renewal.
A payment infrastructure for merchants and the platforms that serve them
As merchants’ needs grew, ForumPay closed each gap in turn. Today, crypto payments sit at the center of a much broader infrastructure that handles money as it comes in, goes out, and moves between currencies.
For merchants
Some payments don’t fit a standard checkout, so ForumPay built the solutions for those, too. A high-value sale, whether it involves real estate, a piece of fine jewelry, or a cross-border trade, needs both sides to trust the process before any money changes hands. ForumPay’s escrow account holds the buyer’s crypto or stablecoin payment securely and releases it to the seller as soon as the buyer approves the transaction.
Then there are customers that will always reach for a card. ForumPay’s payment infrastructure now allows merchants to accept card payments, including Visa, Mastercard, Apple Pay, Google Pay, and bank transfers in the EU, UK, Canada, and other jurisdictions through the same account they use for crypto.
Standard B2B clients present a different set of requirements. A supplier or partner that pays every week shouldn’t have to wait for a new payment link each time. And so, ForumPay’s B2B wallet gives frequent payers a fixed address they can send any amount to, whenever they need, in any supported crypto or stablecoin.
Refunds are also part and parcel of the payment infrastructure, as they are part and parcel of everyday commerce, allowing merchants to refund customers in any supported crypto or stablecoin. ForumPay also handles payment exceptions such as underpayments and overpayments automatically through acceptance and refund thresholds that merchants set in their dashboard.
Sending mass payouts, withdrawals, and remittances to any wallet worldwide works on the same principle. They can be sent either as recurring payments set up through the API or pushed manually from the Merchant Dashboard. Each payout can be funded from an existing crypto balance or converted from fiat or stablecoin first, so there is no need to buy and hold crypto in advance. Once confirmed on the blockchain, every payout is final.
For payment providers and platforms
Designed for service providers as well, this infrastructure allows payment processors, gateways, and platforms to quickly integrate crypto and stablecoin processing via an API or iframe using ForumPay Embedded. This product features integrated sub-account settlement, billing, and reconciliation functionalities. Or, Hosted White-Label provides ISOs and fintech firms with a fully branded, turnkey crypto payment platform.
There is nothing to build or host; compliance and security are handled by ForumPay, and the platform can go live in days. What’s more, through the Partner Program, acquirers, PSPs, ISOs, gateways, and referral agents can earn commission by offering ForumPay to the merchants they serve.
All of this runs on a compliance framework built for global business. ForumPay operates in major jurisdictions including the U.S. and EU, with identity verification through Sumsub and blockchain transaction screening through Chainalysis, and it does not operate in OFAC-sanctioned countries.
Whether you want to accept crypto payments, pay out in stablecoins, or offer both to your own merchants, book a meeting with the ForumPay team to see how its payment infrastructure fits your business.
