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Paying with USDT: TRC20, BEP20 or ERC20, Which Network Should You Use?
Ottsewa Team · 5 Nov 2026 · 2 min read
The same USDT lives on several blockchains, and sending on the wrong one can lose the money. A simple guide to choosing the network and sending safely.
USDT is a dollar stablecoin: one USDT is meant to stay worth one US dollar. What confuses people is that the same USDT exists on several different blockchains, called networks. When you pay, you have to send on the network the receiver asked for.
The networks you will see
| Network | Runs on | Fees | Notes |
|---|---|---|---|
| TRC20 | Tron | Usually low | Very common for payments |
| BEP20 | BNB Smart Chain | Usually low | Common on Binance |
| ERC20 | Ethereum | Often high | Widely supported, costly for small payments |
| Polygon, Solana, TON | Their own chains | Usually low | Supported by many wallets |
Fees change with how busy each network is, so check the fee your wallet shows before you send.
The one mistake that loses money
An address on one network can look like an address on another. If the checkout says TRC20 and you send on BEP20, the money may not arrive and can be very hard or impossible to recover.
So:
- Read the network name at checkout.
- In your wallet or exchange, choose that same network when withdrawing.
- Copy the address, do not type it, and check the first and last few characters.
- For a first payment, sending a small test amount is never a bad idea.
Which should you pick?
If you have a choice, pick the network your wallet already holds USDT on, with the lowest fee your wallet shows. For small payments, TRC20 or BEP20 usually cost far less than ERC20.
Paying us with USDT
Our checkout lists the networks we accept and the address for each. Pay the exact amount shown, upload the transaction ID, and we check it by hand before delivering. You can pay this way for anything in the global store, from Netflix to ChatGPT Plus.
