How to accept USDT payments on your website

USDT (Tether) is the most used stablecoin in payments. One USDT is meant to stay worth about one US dollar, so neither you nor your customer takes on crypto price risk. That makes it a natural first coin to accept on a website, whether you sell digital goods, services or physical products.

This guide covers what you need to decide, how a USDT checkout works, and how to set one up with a payment gateway such as AywaPay.

Why accept USDT

• Stable value. Prices are set in dollars and paid in a dollar-pegged token, so the amount you receive matches the amount you asked for.
• Global customers. Anyone with a crypto wallet or exchange account can pay, with no card network, bank or currency conversion in between.
• No chargebacks. A confirmed blockchain payment can't be reversed by the payer. Refunds are your decision.
• Fast settlement. On TRON or BNB Smart Chain a payment is confirmed in about a minute, and the money is in your balance right away.

Step 1: choose which USDT networks to accept

USDT is issued on several blockchains. A token on one network is not the same as on another: a customer paying USDT on TRON must send it on TRON. A good gateway shows the right network and address on the payment page so customers can't mix them up.

Most merchants turn on TRC-20 and BEP-20 first, because that is where most customers hold USDT. Add ERC-20 if your customers are on Ethereum or pay larger amounts. For a deeper comparison read TRC-20 vs ERC-20 vs BEP-20.

Step 2: understand how a USDT checkout works

1. Your site creates an invoice for the order total, priced in your own currency (for example $49).
2. The customer is sent to a payment page that shows the exact USDT amount, the network, a deposit address and a QR code.
3. The customer pays from any wallet or exchange. The page updates as soon as the payment appears on the blockchain.
4. After the network confirms it, the invoice is marked paid and your server receives a signed callback, so the order can be fulfilled automatically.
5. The USDT lands in your balance, and you withdraw it to your own wallet whenever you want.

Step 3: set up USDT payments

Option A: WooCommerce or another plugin

If your store runs on WordPress, install the WooCommerce plugin, paste your store's secret key and enable it. Customers see a "Pay with crypto" option at checkout. The full walkthrough is in How to add crypto payments to WooCommerce.

Option B: payment links, no code

Sell over chat, social media or email? Create an invoice or payment link in the dashboard and send it to the customer. They pick USDT, pay, and you see it marked paid. See crypto invoices.

Option C: the API

For a custom checkout, create the invoice from your server and redirect the customer to the returned payment page. To offer only USDT on TRON and BNB Smart Chain, list their coin codes in allowed_psys_cids:

curl -G "https://api.aywapay.com/api/v1/invoices/new" \
  -d source_currency=USD -d source_amount=49 \
  -d allowed_psys_cids=USDT_TRX,USDT_BSC \
  -d order_number=1001 -d order_name="Order 1001" \
  --data-urlencode "callback_url=https://yourshop.com/callback?json=true" \
  -d api_key=$AYWAPAY_SECRET_KEY

Always verify the callback's signature before marking an order paid. The API documentation has ready-made verification code for Node.js and PHP, and a test key that lets you simulate paid, underpaid and expired invoices without real money.

What it costs

With AywaPay you pay 0.5% per incoming payment and nothing else to receive: no setup fee and no monthly fee. Withdrawing to your own wallet costs $0.25 plus the network fee. Current numbers are always on the pricing page.

Tips for a smooth USDT checkout

• Price in your own currency and let the gateway convert. Customers see the exact USDT amount, so there is no rounding confusion.
• Name the network clearly on your checkout ("USDT on TRON (TRC-20)").
• Give invoices enough time to be paid, but not so long that the price goes stale.
• Decide how you handle underpayments. With AywaPay an underpaid invoice can be topped up before it expires, and an overpayment is credited and flagged.
• Turn on two-factor authentication and saved withdrawal addresses before you go live. See security.