USDT is the stablecoin most people already hold. If your customers are asking to pay in crypto, there’s a good chance they mean USDT, because its value tracks the US dollar and nearly every exchange lets them withdraw it.
Accepting it on your website isn’t hard, but there’s one thing that trips up almost everyone the first time: USDT isn’t one coin on one network. This guide covers that, the three ways to accept USDT, and the mistakes that cause most failed payments.
USDT lives on many networks
The same USDT exists on several blockchains, and they don’t talk to each other directly. USDT sent on Tron can only arrive at a Tron address. If a customer sends it on the wrong network, the payment doesn’t show up where you expect it.
The networks you’ll see most often:
- Tron (TRC20): very popular with exchange users because withdrawals are cheap and fast.
- BNB Chain (BEP20): common among Binance users.
- Polygon: tiny network fees, a good default for small payments.
- Ethereum (ERC20): widely supported, but network fees are the highest.
- Solana, Base, Optimism, Linea and Arbitrum: newer, low-fee options that more wallets support every month.
You don’t need all of them. Pick the networks your customers actually use. If most of them buy on exchanges, Tron and BNB Chain cover a lot of ground. If they use their own wallets, Polygon is a cheap and simple choice.
Three ways to accept USDT
1. Post your wallet address
The simplest option: put your address on the checkout page and ask customers to send the exact amount. It works for the occasional payment, but it gets messy quickly. Every customer pays into the same address, so you have to match payments to orders by hand. Nothing tells your store that an order was paid, and a customer on the wrong network is a support ticket waiting to happen.
2. Use a crypto payment gateway
A gateway creates a separate payment for every order. The customer gets their own temporary address and the exact amount to send, the gateway watches the blockchain, and your order is updated when the payment arrives. The funds are then forwarded to your wallet. This is the right choice once you have more than a handful of crypto orders.
3. Send a payment link
No store at all? A payment link is a single URL for a specific amount that you send over email or chat. It’s the easiest way to take a one-off payment from a client.
Accepting USDT with WerninBill
Here’s how it works on our crypto payment gateway:
- Enter the amount. You can price it in any of 34 currencies, and the USDT amount is worked out for you.
- Choose USDT and the network your customer will pay on.
- Enter your own wallet address on that same network. This is where you get paid.
- A payment page is created with its own temporary address, a QR code and the exact amount to send. Share the page link with your customer, or enter their email and we’ll send it.
- When the payment confirms on the blockchain, it’s detected automatically and forwarded to your wallet.
Each payment gets a unique address, so you never have to guess which order a transfer belongs to.
Minimum amounts per network
Every network has a minimum payment. Anything below it can’t be processed, because network fees would eat most of it. Current minimums for USDT on WerninBill:
| Network | Minimum |
|---|---|
| Polygon | 0.835 USDT |
| BNB Chain (BEP20) | 1.67 USDT |
| Solana, Optimism, Linea | 1.67 USDT |
| Arbitrum (USD₮0) | 1.67 USDT |
| Ethereum (ERC20) | 3.34 USDT |
| Base | 5.01 USDT |
| Tron (TRC20) | 16.7 USDT |
Minimums are set at the network level and can change. The payment form always shows the current minimum for the network you pick.
Mistakes that cause failed USDT payments
- Wrong network. The customer picks TRC20 on their exchange while the payment page expects BEP20. Always show the network clearly next to the address.
- Exchange withdrawal fees. Some exchanges take their fee out of the amount being sent, so less arrives than the page asked for. Tell customers to make sure the amount received matches, not just the amount they typed.
- Paying below the minimum. Tiny test payments often fall under the network minimum and never complete.
- Using an exchange deposit address as your payout wallet. Exchanges don’t always credit every kind of incoming transfer. Use a wallet you control, such as MetaMask for EVM networks or a Tron wallet for TRC20.
What it costs
WerninBill charges a flat 1% on successful payments, with no setup or monthly fee. The blockchain’s own network fee applies to every transfer, which is why Polygon and other low-fee networks are popular for smaller amounts. More detail in how crypto payment gateway fees work.
Quick answers
Can my customer pay from Binance or another exchange?
Yes. They withdraw USDT to the payment address, choosing the same network the payment page shows. It’s worth reminding them to check the exchange’s withdrawal fee.
Do I receive USDT or dollars?
You receive the USDT in your own wallet, on the network the customer paid on. What you do with it after that is up to you.
Can I also take card payments?
Yes. With the card payment gateway, customers pay by Visa, Mastercard, Apple Pay or Google Pay and you receive USDC. Many stores offer both.
