Guide
How to accept USDT and USDC payments
To accept USDT or USDC as a business, register a crypto wallet you control, then use a non-custodial payment gateway to generate a payment address for each sale. The customer pays on-chain, and the money is forwarded straight to your wallet — you never hold crypto for them, run a node, or wait for a payout. Here is the whole process.
Last updated: 22 September 2026
Get a wallet you control
Set up a self-custody wallet — one where you hold the keys, such as a hardware wallet or a reputable mobile wallet. This is where your money will land, so it must be an address you, and only you, control. Do not use a wallet you cannot receive arbitrary transfers into.
Choose a network
USDT and USDC exist on several blockchains. BNB Smart Chain has very low fees and fast confirmation, which suits everyday payments; Ethereum has the widest reach but higher gas. Pick the one your customers already use, or offer both.
Open a merchant account and register your payout wallet
Create a Vorixpay account and register your wallet by signing a message with it — no funds move, it just proves the wallet is yours. From then on, every payment is collected to that address and nowhere else. No identity documents are required.
Create a payment link or invoice
Set the amount, the token (USDT or USDC) and the network. You get a checkout link to share and a unique address to receive the payment. Developers can do the same with one API call and receive a signed webhook when the payment confirms.
Share it and get paid
Send the customer the link, or show the address and amount. They pay from any wallet on the named network. When the payment confirms on-chain, a contract forwards it to your registered wallet automatically, taking only the fee — you never wait for a manual withdrawal.
Reconcile
Your dashboard shows every payment with its on-chain transaction hash, and a webhook can post each confirmation straight into your own system. Because Vorixpay never holds the money, there is no balance to withdraw and no payout schedule to wait on.
BNB Smart Chain or Ethereum?
The same USDT and USDC exist on both. The difference is cost and reach.
| Network | Fees | Speed | Best for |
|---|---|---|---|
| BNB Smart Chain | Very low (cents) | ~3 seconds | Everyday payments, high volume, price-sensitive customers |
| Ethereum | Higher (varies with demand) | ~12 seconds | Larger payments, customers who already hold funds on Ethereum |
Custodial or non-custodial: why it matters
A custodial gateway takes the payment, holds it, and pays you later — which means a balance that can be frozen, a withdrawal queue, and identity checks. A non-custodial gateway like Vorixpay never holds the money: the payment goes to an address that can only forward it to the wallet you registered, so there is nothing to freeze and nothing to withdraw. The trade-off is that a blockchain payment is final — there are no chargebacks, so a refund is a new payment you send yourself.
Fees are 1% on BNB Smart Chain, 2% on Ethereum, taken from each payment when it is collected. There is no monthly fee and nothing to pay on an invoice nobody settles.
Start accepting stablecoins
Register a wallet you control and take your first payment on a test network in minutes. No custody, no KYC, no infrastructure to run.