# BEP-20 USDT and USDC payment gateway

> BNB Smart Chain is an EVM network with low-cost token transfers. Payaries gives each invoice its own deposit address on it and tracks the payment to confirmation.

Updated 2026-10-05 · Payaries · https://www.payaries.com/crypto-payment-gateway/bep20

## How to integrate

Create an invoice with `USDT_BEP20` or `USDC_BEP20` on `bsc-mainnet`. You get back a one-time deposit address, the amount due and the confirmations required.

**Request**

```
POST /v1/invoices

{
  "referenceId": "order_10231",
  "fiat": { "amount": "49.99", "currency": "USD" },
  "crypto": { "asset": "USDC_BEP20", "chainId": "bsc-mainnet" }
}
```

## Assets on BNB Smart Chain

BNB, USDT, USDC, DAI and SHIB, with deposits and withdrawals both supported. `GET /v1/chains` has the live list. Each token is its own asset ID — for example `USDT_BEP20` and `USDC_BEP20`.

## Confirmation, settlement and gas

- The invoice moves `pending` → `detected` → `confirming` → `confirmed`, crediting your ledger on confirmation and firing a signed webhook. See [crypto payment confirmations](https://www.payaries.com/guides/crypto-payment-confirmations).
- The deposit is swept to your own BNB Smart Chain wallet before it is withdrawable.
- Moving a token costs BNB. Where the gas station covers the chain you hold none; otherwise keep a little BNB in your wallet. Read `gasSponsored` on the wallet — see [network fees and the gas station](https://www.payaries.com/blog/gas-station-network-fees).
- Withdraw to any BNB Smart Chain address on demand.

## Questions

**Can I accept USDC on BNB Smart Chain?**
Yes — USDC_BEP20 on bsc-mainnet, alongside USDT_BEP20, DAI, SHIB and native BNB.

**Is a BEP-20 address the same as an Ethereum address?**
BNB Smart Chain uses the same address format as Ethereum, which is exactly why you should show the network beside the address: a token sent on the wrong network won't arrive.

**Do I need BNB to withdraw USDT?**
Only where Payaries's gas station doesn't cover BNB Smart Chain. Where it does, the gas is recovered as a network fee inside the transaction.

## Try it

Run a real invoice before you commit: [Payaries — www.payaries.com](https://www.payaries.com/signup). Payaries is a multi-chain crypto payment gateway — https://www.payaries.com

## Keep reading

- https://www.payaries.com/crypto-payment-gateway/trc20 — TRC-20 USDT payment gateway
- https://www.payaries.com/crypto-payment-gateway/erc20 — ERC-20 USDT and USDC payment gateway
- https://www.payaries.com/usdt-payment-gateway — Accept USDT payments on Ethereum, BNB Smart Chain, Polygon, Arbitrum, Tron and more
- https://www.payaries.com/blog/usdt-trc20-vs-erc20-vs-bep20 — USDT on TRC-20, ERC-20 and BEP-20: what changes for a merchant
- https://www.payaries.com/blog/gas-station-network-fees — Gas station: how network fees work on token payments
- https://www.payaries.com/custom-token-payments — Custom token payments: bring your own ERC-20, BEP-20 or TRC-20 token