USDT (BEP-20) — deposits, payouts and settlement
CVPay is a Singapore-licensed payment provider that supports USDT on BNB Smart Chain: accept deposits to per-order addresses, send on-chain payouts, and convert between USDT and local currencies such as VND and PHP.
What is USDT on BEP-20?
USDT (Tether) is the most widely used dollar-pegged stablecoin. On BNB Smart Chain, USDT moves as a BEP-20 token in an EVM-compatible environment. The chain’s deep integration with major exchange ecosystems makes BEP-20 USDT a common holding for users who fund wallets directly from exchanges.
BEP-20 support matters when counterparties fund from exchange withdrawals, where BEP-20 is often the cheapest listed option. EVM address familiarity (the 0x format) also lowers operational friction for teams already handling Ethereum-style wallets.
Key facts
- Network
- BNB Smart Chain
- Token standard
- BEP-20
- Confirmation speed
- Confirmation typically within about a minute
- Network fees
- Low network fees
- Conversion
- USDT ⇄ VND / PHP through the same platform
- Risk controls
- Incoming addresses pass on-chain AML screening
- Limits
- Per-transaction and daily limits follow your merchant configuration
How it works with CVPay
Accepting USDT deposits
Each deposit order gets its own BEP-20 address, so incoming transfers are matched to orders automatically — no memo fields, no manual matching. Once the transaction reaches finality on BNB Smart Chain, your USDT balance is credited and your webhook is notified. Deposits can also be auto-converted to VND at a quoted rate.
Sending USDT payouts
Submit a transfer with the recipient address and the BEP-20 network flag, and CVPay signs and broadcasts the transaction from managed hot wallets. You receive the transaction hash and final confirmation on your webhook. Address format is validated before broadcast, and payouts can be funded from fiat balances via conversion.
Integration
One REST API covers every payment method CVPay supports. Create an order, show the returned QR or account details to your customer, and receive the result on your webhook. A hosted cashier page and sandbox environment are available, and most merchants complete integration within days.
curl -X POST 'https://{api-base}/api/transfer/create' \
-d 'mchNo=M1234567890' \
-d 'appId=YOUR_APP_ID' \
-d 'mchOrderNo=PAYOUT-2026-0001' \
-d 'currency=ust' \
-d 'amount=1000000' \
-d 'accountNo=0xAbC...your-recipient-address' \
-d 'accountName=RECIPIENT NAME' \
-d 'bankName=BEP20' \
-d 'sign=...'
# Status is delivered to your webhook when the
# transfer reaches a final state.
# Simplified example — see the API docs for details.Frequently asked questions
How long does a BEP-20 transfer take?+
Confirmation typically within about a minute. CVPay credits deposits once the transaction is final on-chain, and payout hashes are returned as soon as the transaction is broadcast.
Can I settle USDT into VND or PHP?+
Yes. The platform quotes a conversion rate on request; once you confirm, the exchange executes at the quoted rate. This works in both directions — fiat balances can also fund USDT payouts.
What happens if a customer sends the wrong amount?+
Deposits are matched by address, so the payment still reaches your order. Amount mismatches are flagged and can be confirmed at the actual received amount, and late payments can be recovered by submitting the transaction hash.
Do you screen incoming funds?+
Yes. Incoming addresses are screened against on-chain AML risk data before crediting. This protects your balance from exposure to sanctioned or high-risk counterparties.
Which chains does CVPay support besides BEP-20?+
CVPay supports USDT on TRON (TRC-20), Solana and BNB Smart Chain (BEP-20). Availability per chain follows your merchant configuration.
Start accepting payments today.
Create an account and go live, or talk to our team about your requirements.