**USDT (Tether)** is the world's most-used stablecoin and now accounts for the majority of stablecoin payment volume online. If you sell digital services, run a SaaS, or accept international payments, USDT removes the FX and chargeback friction of cards. ## Three networks, one coin USDT exists on multiple chains. The big three you will see at checkout: - **TRC20 (Tron)** — Lowest fees, fastest finality. Dominant for retail payments under $1,000. - **ERC20 (Ethereum)** — Higher fees, deeper liquidity. Common for B2B and large invoices. - **BEP20 (BNB Chain)** — Cheap, widely supported by Asian wallets. A good gateway lets your customer pick the network at checkout — and bills them the exact amount including network fees. ## The 5-step flow 1. The customer clicks "Pay with USDT" on your checkout. 2. They pick a network (TRC20, ERC20 or BEP20). 3. The gateway shows a unique address + QR code with the locked amount. 4. The customer pays from their wallet (Trust, MetaMask, Binance, etc.). 5. On confirmation, your order is marked paid and you get a webhook. ## Settlement options You usually have three choices: - **Hold USDT** — Keep balances on the platform, withdraw anytime. - **Auto-convert to another stablecoin** — Useful if you prefer USDC. - **Auto-payout to a wallet** — Sweep to your treasury wallet on a schedule. ## Why Xynex for USDT [Xynex](/) supports USDT on TRC20, ERC20 and BEP20 (plus other networks), with locked-rate checkout, signed webhooks and a mass payout tool when you need to pay vendors back in USDT. [Create a free account](/signup) and run a test payment in sandbox in under 5 minutes.

How to Accept USDT Payments as a Business