How to accept USDT (TRC20) payments on your website or bot

USDT on TRON is the most common way to pay in crypto in many regions: transfers are fast and cheap for the payer. This guide shows the minimal integration with ChainPay.

The model

Your backend asks ChainPay for a deposit address for each order (or each user).
The payer sends USDT to that address.
After the network confirms the transfer, ChainPay sweeps it to your own wallet and calls your webhook.

You keep custody: the destination is your forwardAddress, and ChainPay does not hold a merchant balance.

One address per order or per user

Per order: use a new externalReference for every order. Easy reconciliation, one payment per address.
Per user: reuse the same externalReference for a user. The address is permanent and can receive many deposits; this fits top-ups and balances.

Create the address

curl -X POST https://api.chainpay.site/deposit-address \
  -H 'content-type: application/json' \
  -d '{
    "ticker": "trc20/usdt",
    "callbackUrl": "https://shop.example.com/crypto-webhook?token=SECRET",
    "forwardAddress": "TYourOwnTronWallet...",
    "externalReference": "order-123"
  }'

Handle the webhook

Verify your token query value.
Match the payment by externalReference.
Credit the order only on status: "confirmed".
Make the handler idempotent: the same event may arrive more than once.

What the payer pays

Because every TRC20 transfer needs TRON Energy, the fee has a percentage part (1%) and a flat part priced at the live network cost. On TRON this flat part is roughly 4 USDT at current rates, so very small payments are not economical. Set a sensible minimum order amount. See Pricing for the current numbers.

Test it

Start with a small amount in the cabinet-attributed mode if you want to see the address in your account: register in the cabinet, create an API key and send the same request with x-api-key.