USDT BEP-20 payment gateway on BNB Smart Chain

BEP-20 USDT is what many exchange users already hold: cheap to send, quick to confirm, and a withdrawal option on most exchanges. Here is exactly how it works with easyway. It is one of 7 USDT networks on one checkout — compare all USDT networks.

How a BEP-20 payment works here

Every invoice gets its own deposit address on BNB Smart Chain, derived from a public key (an xpub) the API holds — no shared address and no memo, and the private key never touches the server that runs your checkout. The hosted checkout shows that address and the exact amount as a QR code and as text; the customer pays from any BEP-20 wallet (Trust Wallet, MetaMask set to BNB Smart Chain, an exchange withdrawal on the "BSC / BEP20" network…).

The payment is credited once it reaches 15 confirmations — well under a minute on BNB Smart Chain. A partial payment is tracked as underpaid rather than lost; the API docs cover over- and underpayment in full.

What "BEP-20" means

BEP-20 is the token standard of BNB Smart Chain (BSC, chain ID 56). BSC runs the same virtual machine as Ethereum, so a BEP-20 token works like an ERC-20 one: the same 0x… addresses, the same wallets, gas paid in the chain's own coin — BNB instead of ETH. USDT on BSC is one such token. In an exchange's withdrawal menu the network is usually called "BSC (BEP20)" or "BNB Smart Chain (BEP20)".

Do not confuse it with BEP-2, the standard of the older BNB Beacon Chain, which BNB Chain has retired. BEP-2 used bnb1… addresses and memos; a easyway invoice never asks for either on this network.

Get the network right

A BNB Smart Chain address looks exactly like an Ethereum or Polygon address (0x…), and some wallets will let a customer send on the wrong one. The checkout names the network next to the address and warns before paying, but it is worth repeating on your own order page: USDT on the BSC / BEP-20 network only. A transfer on another chain is not credited to the invoice. If your customers prefer Ethereum, TRON or another network, they can pick it on the same checkout — every enabled network is on the pricing page.

The token contract

Deposits are only counted from the USDT token 0x55d398326f99059fF775485246999027B3197955 — the one Binance, BscScan and common wallets list as USDT on BNB Smart Chain (the Binance-issued "BSC-USD" token, pegged 1:1 to USDT). Check it yourself on BscScan. Unlike TRON or Ethereum USDT it has 18 decimals, which matters if you ever read raw on-chain amounts yourself; the API always returns human-readable strings.

Fees

There is no extra charge for BEP-20 — the 0.5% platform fee is the same on every coin. Everything else is on the pricing page.

Integrating USDT BEP-20 payments

Without code: a payment link from the dashboard behind a "Pay with crypto" button, or one of the store plugins (currently in beta). Both open the same hosted checkout.

With the API: create an invoice with currency: "USDT_BEP20" (or let the customer choose from every enabled asset) and redirect to the hosted checkout, or build your own UI against the same API. A signed webhook fires when the invoice is paid. The quickstart and webhook guide have runnable code.

Common questions

Does my customer need BNB to pay? Their wallet does: gas on BNB Smart Chain is paid in BNB, usually a small fraction of a dollar. Paying straight from an exchange withdrawal avoids it, since the exchange covers the gas. BNB itself is accepted too — see accepting BNB. Every token accepted on BNB Smart Chain (USDC, FDUSD, CAKE, TWT) is in the BEP-20 payment gateway guide.

Is my balance converted? No. A BEP-20 USDT balance withdraws as BEP-20 USDT to a BNB Smart Chain address you have whitelisted. Nothing is swapped; easyway holds the balance until you withdraw it.

Prefer TRON? See accepting USDT TRC-20; for Ethereum, see USDT ERC-20. Customers on Telegram? See USDT on TON.