Accept USDT (Tether) payments
Speend is a USDT payment gateway and Tether payment processor for business. Accept USDT across TRON (TRC-20), Ethereum (ERC-20), BNB Smart Chain, Polygon and Solana. TRC-20 settles in under 30 seconds, fees from 0.5%, with KYB onboarding.
What is USDT (Tether)?
USDT, also called Tether, is the largest stablecoin in circulation by market capitalisation. Each token is designed to hold a 1:1 peg to the US dollar, backed by reserves managed by Tether. USDT runs on several blockchain networks, and the network you choose changes the fee, the settlement speed and the wallet compatibility.
For a merchant, USDT removes the volatility problem at the core of crypto payments. The customer pays in a dollar-denominated asset and you receive a dollar-denominated asset, with no overnight exchange-rate exposure on your balance. This is why USDT carries the largest share of merchant crypto payment volume in 2026.
USDT networks supported by Speend
USDT on TRON (TRC-20)
The most-used rail for merchant flow. Under 30 seconds to confirm, gas typically below a dollar, wide wallet support. The default recommendation for high-frequency payments.USDT on Ethereum (ERC-20)
The original Tether contract. Higher gas and slower confirmation; useful for B2B flows where the customer's treasury already holds USDT-ERC20.USDT on BNB Smart Chain (BEP-20)
Low gas, fast confirmation, strong fit for Binance-ecosystem customers.USDT on Polygon
Stablecoin stability on a low-fee, EVM-compatible chain. Good for SaaS subscriptions and recurring billing.USDT on Solana
Sub-second finality, gas in fractions of a cent. Best where checkout volume needs near-instant confirmation.Why accept USDT payments with Speend
Sub-30-second TRC-20 settlement
Keeps checkout fast — the customer pays, the order completes within a minute.Low gas across chains
Low gas on TRC-20, BSC and Solana makes USDT viable for micropayments and high-volume flow.Treasury stability
USDT in, USDT out, with no FX exposure on your balance.Largest stablecoin audience
A large share of crypto-paying customers already holds USDT.Cross-chain flexibility
Accept USDT on five networks and let the customer pick at checkout.Fees from 0.5% mono-currency
No setup fee, no monthly subscription.Step 1
The customer picks USDT at checkout and selects a network: TRC-20, ERC-20, BEP-20, Polygon or Solana.Step 2
Speend generates a unique USDT address for that order on the chosen network.Step 3
The customer sends USDT from their wallet. Most wallets prefill the network from the QR code or address link.Step 4
The blockchain confirms — TRC-20 in under 30 seconds, ERC-20 in 1 to 3 minutes, Solana in under a second.Step 5
Speend credits your merchant balance. A webhook fires; funds are ready for withdrawal.
USDT processing fees
0.5% mono-currency — customer pays USDT, you settle in USDT.
1% conversion — the platform auto-converts incoming USDT into another settlement currency.
Network fees pass through at blockchain cost — USDT-TRC-20 keeps per-transaction cost under a dollar.
USDT payments by industry
USDT-TRC20 is the default rail across most verticals. The strongest cases on Speend: iGaming and casinos, where USDT casinos run player deposits in TRC-20; forex and trading, where USDT funds trading accounts and treasury; and adult platforms, where low-fee, fast-settling USDT protects margin.
Start accepting USDT with Speend
Open a merchant account, finish KYB, add USDT to your checkout within a business day. A personal manager helps configure networks for your customer geography.
