Which network do customers use to send USDT?

The TON network only. USDT on Ethereum, Tron or any other chain is a different, incompatible network, and a wrong-network send cannot be recovered. The hosted pay page states the network explicitly, and wallets show it as "TON".

Do I need a separate wallet for USDT?

No. USDT on TON arrives at your existing TON address — the jetton wallet holding it is derived from that address and uses the same keys. There is nothing extra to create or register.

Can my customer pay from an exchange withdrawal?

Only if the withdrawal screen lets them set the comment or memo field. Many exchange USDT-on-TON withdrawals hide it, and without the memo the payment cannot be matched to an invoice — so paying from a self-custody TON wallet is the safer route.

If I only accept USDT, do I still need a GRAM balance?

Yes. Platform fees always settle in GRAM from your balance, whatever currency the invoice is in. Keep it topped up or the account switches to read-only until the fee can be deducted.

When is the GRAM conversion rate for the fee locked in?

At invoice creation. The fee's GRAM equivalent is frozen at that moment and does not move afterwards, and a refunded fee is returned at the same frozen rate.

The same percentage as any other invoice, charged in GRAM — configurable, so we don't quote a fixed number here. Current rates are always live on the pricing page.

Accept USDT payments, settled straight to your own TON wallet

USDT on the TON network, paid directly into a wallet only you control. Nothing sits in a platform balance, and there is no second wallet to set up — your existing TON address receives it. A plain REST API, signed webhooks, and a hosted pay page do the rest.

Start accepting USDT payments Read the docs

Non-custodial by architecture. USDT arrives on the TON network at an address only you hold the keys to, and platform fees settle in GRAM from your balance. See current pricing

What is USDT on TON?

USDT on TON is the same dollar-pegged Tether token, issued natively on the TON network as a jetton. It moves at TON-network speed and cost, and it settles to an ordinary TON address — so accepting it works exactly like accepting the network's native coin.

TON network only. USDT also exists on Ethereum, Tron and other chains, and those are different, incompatible networks: USDT sent to a TON address over the wrong network is lost and cannot be recovered. Your customer's wallet or exchange shows this one as "TON" in its network picker, and the hosted pay page states the network explicitly before anything is sent.

You still register a single TON address. The jetton wallet that receives the USDT is derived from that address and controlled by the same keys, so there is nothing extra to create, back up, or configure.

See how accepting GRAM works →

Built for direct settlement

01
One wallet, both currencies
Add your TON address once and it receives GRAM and USDT alike. The USDT jetton wallet is derived from that same address under the same keys — no second wallet, no extra backup, nothing new to register.
02
Your wallet, not a platform balance
Every invoice settles per-payment from your customer's wallet to yours. Zyrvix never holds the tokens — which is also why a refund is simply a transfer you send, with no processor in the middle.
03
Price in a dollar-pegged token
Invoice in USDT when you would rather quote a stablecoin than a volatile coin, without leaving TON rails or adding another chain to reconcile.
04
Fees stay in GRAM
Whatever currency you invoice in, the platform fee settles in GRAM from your one balance, at the same percentage, using a rate frozen when the invoice is created.

How to accept USDT payments on TON

1
Add your TON wallet
Create an account and add the TON address payments should settle to. That single address receives both GRAM and USDT — Zyrvix never takes custody of it or of the funds sent there.
2
Create a USDT invoice
One API call with the invoice currency set to USDT, or a click in the dashboard. You get back a hosted pay page and a QR code, ready to send to a customer.
3
Your customer pays over TON
The hosted pay page states the network, the exact amount, and the memo that ties the payment to the invoice. The transfer is matched on-chain automatically, with no manual reconciliation on your end.
4
You're notified — the USDT is already yours
A signed webhook fires the moment it is paid. There is no withdrawal step and no payout schedule: the tokens are already in your own wallet.

Want the full walkthrough? Read the step-by-step guide to accepting payments on TON

Why merchants pick a non-custodial USDT gateway

Most USDT processors are custodial: your tokens land in a pooled balance, KYC tiers and withdrawal minimums stand between you and your own money, and settlement arrives on the provider's schedule rather than the chain's. Zyrvix has none of that — the USDT moves from the customer's wallet to yours, per invoice.

The single-network scope is deliberate. We support USDT on TON and nothing else, so every invoice reconciles against one chain and nobody has to work out which USDT they were paid in.

TON Pay and Zyrvix are both non-custodial — neither ever holds your funds. The difference is where and how you accept payment.

TON Pay is the TON ecosystem's first-party payment SDK, strongest for checkout inside Telegram Mini Apps. Zyrvix runs on your own website, store, or backend — outside Telegram, today.

Comparing TON payment gateways in more depth? See the full gateway comparison.

Taking the network's native coin as well? Accepting GRAM payments covers that side of it.

See the integration before you sign up

Create a USDT invoice

# replace with the full sk_ key you saved at creation
curl -X POST https://api.zyrvix.com/invoices \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: $(uuidgen)" \
  -d '{
    "amount": "5.5",
    "currency": "USDT",
    "pay_to_address": "EQD_YOUR_TON_WALLET_ADDRESS",
    "expires_in_seconds": 1200
  }'

The invoice.paid webhook it produces

{
  "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "type": "invoice.paid",
  "created_at": "2026-06-14T12:05:00Z",
  "data": {
    "invoice": {
      "invoice_id": "550e8400-e29b-41d4-a716-446655440000",
      "amount": "5.5",
      "currency": "USDT",
      "pay_to_address": "EQD...",
      "memo": "AB3XP7M",
      "status": "paid",
      "fee_settlement_currency": "GRAM",
      "initiated_by": "automatic"
    }
  }
}

Full reference at the docs.

Evaluating the API itself? See the crypto checkout API.

Frequently asked questions

Start accepting USDT on TON today

Create an account, add your TON wallet, and take USDT payments that settle directly to you — non-custodial, from day one.

Start accepting USDT payments Read the docs

Last updated July 27, 2026

Accept USDT payments, settled straight to your own TON wallet

What is USDT on TON?

Built for direct settlement

One wallet, both currencies

Your wallet, not a platform balance

Price in a dollar-pegged token

Fees stay in GRAM