01At a glance
| Network | Standard | Gas is paid in | Worth knowing |
|---|---|---|---|
| Tron | TRC-20 | TRX | Widely used for USDT transfers; invoice minimum currently defaults to 30 USD where Payaries pays the gas |
| Ethereum | ERC-20 | ETH | The original; gas is usually the highest of the group; minimum defaults to 25 USD where Payaries pays the gas |
| BNB Smart Chain | BEP-20 | BNB | Low gas; USDT has 18 decimals here; minimum defaults to 5 USD where Payaries pays the gas |
| Polygon | ERC-20 compatible | POL | Low gas; same address format as Ethereum |
| Arbitrum | ERC-20 | ETH | Ethereum-compatible address; gas paid in ETH |
Minimums are admin-adjustable defaults at the time of writing and apply only where the gas station is on — read the live value from the API error rather than hard-coding it. Network fees move with congestion and prices, so compare live numbers, not a table from a blog.
02Four differences that bite
- 01A separate asset on each network.
USDT_TRC20andUSDT_ERC20are different assets. A deposit address is valid for one network only, so the checkout must show the network next to the address. - 02Decimals differ. USDT has 6 decimals on Ethereum but 18 on BNB Smart Chain. If you build wallet payment links or amounts yourself, take decimals from the invoice, never assume.
- 03Gas is a different coin. Moving USDT costs TRX, ETH, BNB or POL. Either keep a little in each Payaries wallet or use a chain where the gas station pays it.
- 04Address formats overlap. Ethereum, BNB Smart Chain, Polygon and Arbitrum share the same
0x…format. Tron's starts withT. Sending to the right-looking address on the wrong network is the most common way payments go missing.
03Accepting several networks with Payaries
Each network is its own asset ID in one API — you pick it per invoice, and your dedicated wallet on that network receives it. The full list is on the USDT payment gateway page, and GET /v1/chains is authoritative.
Questions
- Is USDT on TRC-20 the same as USDT on ERC-20?
- Same token value, different assets on different networks. They have different address formats and gas coins, and one can't be sent to the other's address. A merchant creates an invoice for a specific network.
- Which USDT network should a merchant accept?
- The ones your customers already hold USDT on. Accepting more than one network removes the need for customers to bridge.
- What happens if a customer sends USDT on the wrong network?
- A deposit address is valid for one network only, so funds sent on another network do not reach the invoice. Show the network beside the address at checkout to prevent it.
Keep reading
- Accept USDT payments on Ethereum, BNB Smart Chain, Polygon, Arbitrum, Tron and moreAccept USDT on Ethereum, BNB Smart Chain, Polygon, Arbitrum and Tron — and more networks as they ship — through one API, with a locked fiat rate and on-demand withdrawals.
- Gas station: how network fees work on token paymentsHow Payaries's gas station works: it pays the gas for token deposits and withdrawals and recovers it as a network fee inside the transaction, so merchants hold no native currency.
- Crypto payment confirmations, explained for merchantsHow blockchain confirmations work for merchants: what each invoice status means, when a payment counts as paid, and credited vs withdrawable.
- TRC-20 USDT payment gatewayAccept TRC-20 USDT on Tron through one API: a one-time deposit address per invoice, confirmation tracking, signed webhooks and on-demand withdrawals.
- BEP-20 USDT and USDC payment gatewayAccept BEP-20 USDT and USDC on BNB Smart Chain through one API: a one-time deposit address per invoice, confirmation tracking, signed webhooks and on-demand withdrawals.
- ERC-20 USDT and USDC payment gatewayAccept ERC-20 USDT, USDC, DAI and WBTC on Ethereum through one API: a one-time deposit address per invoice, confirmation tracking, signed webhooks and on-demand withdrawals.
- Bitcoin slips below $80,000 as Middle East security warnings hit crypto: what happened and what merchants should doBitcoin slid to about $79,700 on 24 October 2026 as the US pulled staff from Middle East posts; Ether, XRP and Solana fell too. What drove it, and what it means for merchants.