Complete Payment Infrastructure for USDT
Everything you need to accept USDT payments. Non-custodial by design, deterministic by nature.
Non-Custodial By Design
Your funds never touch our servers. We watch the blockchain, match payments, and notify you. That's it.
No Private Keys
We never ask for or store your wallet private keys. You maintain full control.
No Fund Holding
Payments go directly to your wallet addresses. No intermediary accounts.
No Transactions Initiated
We only read blockchain state. We never send transactions on your behalf.
Architecture Overview
Your Customer
Sends exact USDT amount
Blockchain (Direct)
TRC20 / ERC20 / BSC
Your Wallet
Funds arrive directly
PayGate watches the blockchain and sends you a webhook when payment is confirmed. We never touch your funds.
Exact Match Invoice System
No guesswork. No partial payments. Every condition must match exactly for an invoice to confirm.
Network Match
Payment must be on the same network as the invoice (TRC20, ERC20, or BSC)
Address Match
Payment must go to the exact wallet address specified in the invoice
Amount Match
Amount must match exactly to 4 decimal places. No rounding tolerance.
Time Match
Payment must arrive before invoice expiry. Configurable from 5 min to 2 hours.
What We Don't Do
- No underpaid invoice acceptance
- No overpaid invoice handling
- No fuzzy amount matching
- No guessing which invoice a payment belongs to
Why This Matters
- Deterministic, auditable payment records
- No manual reconciliation needed
- Eliminates payment disputes
- Clear audit trail for compliance
Three Networks, One Integration
Let customers pay with USDT on their preferred blockchain. Same API, same webhooks, same experience.
USDT TRC20
Tron Network
- Lowest transaction fees
- Fast block confirmation
- Highest USDT volume
Address format: T... (34 characters)
USDT ERC20
Ethereum Network
- Most established network
- Highest security
- DeFi ecosystem access
Address format: 0x... (42 characters)
USDT BSC
Binance Smart Chain
- Low fees like TRC20
- EVM compatible
- Binance ecosystem
Address format: 0x... (42 characters)
Complete Invoice Lifecycle
From creation to confirmation. Every state is tracked, logged, and available via API.
Pending
Invoice created, awaiting payment. Customer sees payment page with countdown.
- • Configurable expiry (5 min - 2 hours)
- • Real-time countdown on payment page
- • Auto-polling for status updates
Confirmed
Payment detected and matched. Webhook sent to your callback URL.
- • Transaction hash recorded
- • Webhook with payment details
- • Immutable confirmation
Expired
No valid payment received before expiry. Invoice closed.
- • Automatic status update
- • Amount released for reuse
- • Customer can start new payment
Reliable Webhook Delivery
HMAC-signed webhooks with automatic retries ensure you never miss a payment confirmation.
HMAC-SHA256 Signatures
Every webhook is signed with your unique webhook_secret. Verify authenticity before processing.
Exponential Backoff Retries
Failed deliveries retry automatically: 30s, 1m, 2m, 4m... up to 10 attempts.
Full Delivery Logs
View every webhook attempt: status codes, response bodies, retry schedules. Debug with confidence.
const crypto = require('crypto');
function verifyWebhook(payload, signature, secret) {
const expected = crypto
.createHmac('sha256', secret)
.update(JSON.stringify(payload))
.digest('hex');
return signature === expected;
}
// In your webhook handler
const sig = req.headers['x-webhook-signature'];
if (!verifyWebhook(req.body, sig, WEBHOOK_SECRET)) {
return res.status(401).send('Invalid');
}Full Visibility Admin Dashboard
Monitor everything. Invoices, transactions, webhooks, merchants. All in one place.
Dashboard Overview
Real-time stats: total volume, active invoices, success rates, recent activity.
Invoice Browser
Search, filter, and view all invoices. Check status, amounts, expiry times.
Transaction Logs
Every blockchain transaction detected. Hash, address, amount, confirmations.
Webhook Logs
Every webhook attempt logged. Status codes, payloads, retry schedules.
Merchant Management
View merchants, suspend accounts, manage access. Full control.
System Configuration
Adjust limits, expiry defaults, network settings. All configurable.
Ready to Get Started?
Create your free account and start accepting USDT payments in minutes.