Accepting USDT solves two problems at once: cross-border settlements without banking friction, and near-instant crediting of funds. Below is the minimal setup you can ship in a day.
Step 1. Pick a network
USDT exists on several chains, and the choice drives both fee and settlement speed.
| Network | Fee | Confirmation |
|---|---|---|
| TRC-20 | from $1 | ~1 minute |
| ERC-20 | $3–15 | 1–5 minutes |
| BEP-20 | under $1 | ~1 minute |
Step 2. Create a payment page
The payment page issues a per-order address and watches for incoming funds. A single static address does not work: you cannot reliably match payments to orders.
Step 3. Handle webhooks
A webhook is the only reliable way to learn about a payment. Polling adds load and still lags behind the chain.
Step 4. Configure settlements
Decide what happens to incoming funds: hold in USDT, auto-convert, or withdraw on a schedule.