Formfy vs SmartWaiver 2025: Digital Waiver Comparison

Digital waivers have become essential for businesses managing liability. From fitness studios and gyms to adventure companies, event planners, and recreational facilities — if customers participate in activities with inherent risk, you need a reliable way to collect liability waivers.

Two popular options in this space are Formfy and SmartWaiver. While both can handle digital waivers, they take fundamentally different approaches. SmartWaiver is a dedicated waiver-only platform, while Formfy combines waivers with form building, e-signatures, and appointment scheduling in one comprehensive solution.

Quick verdict: Choose Formfy if you need waivers PLUS forms, scheduling, or payment collection. Choose SmartWaiver if you exclusively need waivers and nothing else.

Quick Comparison Table

What is SmartWaiver?

SmartWaiver is a dedicated digital waiver platform founded in 2012. It focuses exclusively on helping businesses collect liability waivers and release forms electronically.

SmartWaiver's strengths:

• Waiver-focused: Does one thing and does it well
• Established platform: Over a decade in the market
• Photo capture: Can capture participant photos with waivers
• Kiosk mode: Designed for on-site waiver collection
• Industry integrations: Connects with Mindbody and other fitness software

SmartWaiver's limitations:

• Waivers only: No form builder, no scheduling, no payments
• Volume-based pricing: Costs increase as you collect more waivers
• Single purpose: Requires additional tools for registration forms, contracts, or bookings

SmartWaiver is popular with fitness studios, recreation centers, and adventure companies that need a simple, reliable waiver solution and are willing to use separate tools for other needs.

What is Formfy?

Formfy is an all-in-one platform that combines digital waivers with form building, e-signatures, and appointment scheduling. Rather than just solving the waiver problem, Formfy addresses the complete workflow for businesses that interact with customers.

Formfy's approach:

• 4 ways to create forms: AI generation, drag-and-drop builder, templates, or PDF upload
• Unlimited e-signatures: No per-waiver or per-envelope fees
• Built-in scheduling: Appointment booking without needing Calendly
• Payment collection: Accept deposits and payments via Stripe
• SMS notifications: Text customers links to sign waivers instantly

Formfy is ideal for businesses that have outgrown single-purpose tools or want to consolidate their tech stack into one affordable platform.

Digital Waiver Capabilities

Both platforms can create legally-binding digital waivers that comply with ESIGN and UETA regulations. Here's how they compare:

Waiver Creation

SmartWaiver:

• Template-based waiver builder
• Pre-built waiver templates for common industries
• WYSIWYG editor for customization
• Support for multiple waiver types

Formfy:

• AI-powered waiver generation (describe what you need, get a waiver)
• Drag-and-drop form builder with signature fields
• Upload existing PDF waivers and add digital signature fields
• Template library for fitness, events, recreation, and more

Signature Collection

Both platforms support:

• Draw-to-sign signatures
• Type-to-sign signatures
• Date and initial fields
• Complete audit trails with timestamps and IP addresses

Key difference: SmartWaiver charges based on waiver volume. Formfy includes unlimited signatures on all plans.

Minor Waivers

Both platforms handle waivers for minors where a parent or guardian must sign. This is essential for:

• Youth sports programs
• Family adventure activities
• Kids' fitness classes
• Summer camps and events

Beyond Waivers: Where Formfy Excels

The biggest difference between these platforms is scope. SmartWaiver stops at waivers. Formfy keeps going.

Form Building

With Formfy, you can create any type of form:

• Registration forms for classes, events, or memberships
• Intake forms for client information
• Contracts with e-signature fields
• Surveys and feedback forms
• Lead capture forms for your website

SmartWaiver doesn't include a form builder. You'd need a separate tool like JotForm, Typeform, or Google Forms.

Appointment Scheduling

Formfy includes built-in appointment scheduling similar to Calendly:

• Let customers book sessions, consultations, or classes
• Sync with Google Calendar
• Automated email and SMS reminders
• Combine booking with waiver signing in one flow

SmartWaiver has no scheduling capabilities. You'd need to add Calendly ($12-20/month) or another booking tool.

Payment Collection

Formfy integrates with Stripe for payment collection:

• Collect deposits when booking
• Accept full payments through forms
• Add payment fields to any form or waiver

SmartWaiver doesn't process payments. You'd need a separate payment solution.

Pricing Comparison

This is where the differences become significant for your budget.

SmartWaiver Pricing

SmartWaiver charges based on the number of waivers you collect per month:

Important: If you exceed your monthly waiver limit, you pay overage fees or must upgrade.

Formfy Pricing

Formfy charges a flat rate with unlimited signatures:

Real Cost Example

Consider a busy fitness studio processing 500 waivers per month:

With SmartWaiver:

• SmartWaiver Pro: $45/month
• Need forms? Add JotForm: $39/month
• Need scheduling? Add Calendly: $12/month
• Total: $96/month for 3 separate tools

With Formfy:

• Professional plan: $49/month
• Includes waivers, forms, AND scheduling
• Total: $49/month — save $564/year

The All-in-One Advantage

Here's what the tool consolidation looks like visually:

Ease of Use

SmartWaiver

SmartWaiver is straightforward because it does one thing. The interface is clean, focused, and designed specifically for waiver workflows. Setup is quick if you only need waivers.

Formfy

Formfy has more features, but the interface remains intuitive. The AI form generator is particularly helpful — describe what you need in plain English, and Formfy creates a form with the right fields, including signature fields for waivers.

Formfy's learning curve: Slightly more than SmartWaiver due to additional features, but most users are productive within minutes.

Integrations

SmartWaiver Integrations

• Mindbody (fitness studio software)
• Zapier (connects to 5,000+ apps)
• Webhooks for custom integrations
• API access for developers

Formfy Integrations

• Zapier (connects to 5,000+ apps)
• Make (formerly Integromat)
• n8n (open-source automation)
• Google Sheets and Calendar
• Stripe for payments
• Slack and Discord notifications
• Webhooks and API access

Note: If you're heavily invested in Mindbody, SmartWaiver's direct integration might be valuable. However, both platforms connect to Zapier, which can bridge most integration gaps.

Mobile Experience

SmartWaiver

• Mobile-responsive waiver forms
• Kiosk mode for on-site tablets
• Focus on in-person signing scenarios
• QR code generation for easy access

Formfy

• Mobile-first design for all forms
• SMS sending — text customers a link to sign instantly
• Works on any device without app downloads
• QR codes and short links for easy sharing

Both platforms work well on mobile. SmartWaiver emphasizes kiosk scenarios, while Formfy focuses on remote signing via SMS and links.

Who Should Choose SmartWaiver?

SmartWaiver is a good choice if you:

• Only need waivers — No forms, scheduling, or payments required
• Use Mindbody — SmartWaiver's direct integration is valuable
• Need photo capture — SmartWaiver can capture participant photos with waivers
• Prefer a single-purpose tool — You want the simplest possible waiver solution
• Already have your other tools — Form builder, scheduling, and payments are handled elsewhere

Best for: Established businesses with existing tech stacks who just need to add digital waivers.

Who Should Choose Formfy?

Formfy is the better choice if you:

• Need more than waivers — Registration forms, intake forms, contracts, etc.
• Want appointment scheduling — Built-in booking without extra tools
• Need payment collection — Accept deposits or payments through forms
• Want to consolidate tools — Replace multiple subscriptions with one platform
• Value cost savings — Get more features for less money
• Appreciate AI assistance — Generate forms and waivers with AI

Best for: Growing businesses, fitness studios, event companies, and anyone who wants an all-in-one solution.

Industry-Specific Comparisons

For Fitness Studios & Gyms

SmartWaiver:

• Good for liability waivers
• Integrates with Mindbody
• Need separate class booking system
• Need separate registration forms

Formfy:

• Liability waivers with unlimited signatures
• Class registration forms
• Appointment/session booking built-in
• Payment collection for memberships or sessions
• One platform replaces 3-4 tools

Verdict: Formfy offers more value for fitness businesses unless you're deeply invested in Mindbody.

For Event Planners

SmartWaiver:

• Participant liability waivers
• That's it — need other tools for everything else

Formfy:

• Participant waivers
• Vendor contracts with e-signatures
• Registration forms
• Scheduling for planning meetings
• Payment collection for deposits

Verdict: Formfy handles the complete event workflow.

For Adventure & Recreation

SmartWaiver:

• Liability waivers with photo capture
• Good for proving participant identity
• Kiosk-friendly for on-site signing

Formfy:

• Liability waivers (no photo capture)
• Booking for tours, sessions, or activities
• Deposit collection via Stripe
• SMS for instant waiver delivery

Verdict: Choose SmartWaiver if photo capture is essential. Choose Formfy if you need booking and payments.

Migration Guide: Switching from SmartWaiver to Formfy

Ready to consolidate your tools? Here's how to migrate:

Step 1: Export Your Data

SmartWaiver allows you to export signed waiver data. Download your historical records before switching.

Step 2: Recreate Your Waivers

In Formfy, you can:

• Use AI to generate similar waivers from a description
• Build waivers from scratch with the drag-and-drop builder
• Upload your existing waiver PDF and add signature fields

Most waivers take 5-10 minutes to recreate.

Step 3: Set Up Additional Features

Take advantage of Formfy's extra capabilities:

• Create registration or intake forms
• Set up appointment scheduling
• Configure payment collection if needed

Step 4: Update Your Links

Replace SmartWaiver links on your website with Formfy links. Formfy provides short, branded URLs for easy sharing.

Step 5: Go Live

Start collecting waivers through Formfy. Signed waivers are stored securely with full audit trails.

Estimated migration time: Under 1 hour for most businesses.

Conclusion

Both Formfy and SmartWaiver are solid platforms for digital waivers. The right choice depends on your business needs:

Choose SmartWaiver if:

• You exclusively need waivers and nothing else
• Photo capture is essential for your use case
• You're heavily invested in Mindbody
• You prefer a single-purpose, waiver-only tool

Choose Formfy if:

• You need waivers PLUS forms, scheduling, or payments
• You want to consolidate multiple tools into one platform
• Cost savings matter to your business
• You value unlimited signatures without volume-based pricing
• You want AI-powered form and waiver generation

For most businesses — especially fitness studios, event planners, and service providers — Formfy delivers significantly more value. You get waivers, forms, scheduling, and payments in one affordable platform instead of juggling multiple subscriptions.

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• Complete Guide to Digital Waivers & E-Signatures
• How to Choose the Best Waiver Software in 2025
• Digital Forms & Waivers for Fitness Studios and Gyms
• Are Electronic Signatures Legally Binding?