How to Accept USDT TRC-20 & ERC-20 Payments Directly with Zero Merchant Processor Fees

1. Why USDT Dominates Digital Checkouts#

Tether (USDT) pegged 1:1 to the USD eliminates crypto price volatility. PapelShip supports both major USDT networks:

• TRC-20 (Tron): Contract address TR7NHqjeKQxGTCi8q8ZY4pL8otSzgjLj6t. Sub-cent transaction fees (~$0.01-0.05). Confirmation time ~3 seconds. Most popular for digital goods checkout.
• ERC-20 (Ethereum): Contract address 0xdac17f958d2ee523a2206206994597c13d831ec7. Higher gas fees ($1-10 depending on network congestion). Preferred for larger transactions.

2. How Per-Invoice USDT Addresses Work#

PapelShip derives unique USDT deposit addresses per invoice using BIP-44:

• TRC-20 addresses use derivation path m/44'/195'/0'/0/N (Tron coin type 195) — addresses start with T.
• ERC-20 addresses use derivation path m/44'/60'/0'/0/N (Ethereum coin type 60) — addresses start with 0x.

Each checkout generates a fresh address, preventing payment confusion across orders.

3. Configurable Payment Timeouts#

Set how long buyers have to complete USDT payment:

• 15 minutes (aggressive — best for high-volume stores)
• 30 minutes
• 1 hour
• 3 hours (default)
• 6 hours
• 24 hours

After timeout, the exchange rate expires and the buyer must restart checkout.

Set up USDT payments on PapelShip Crypto Wallet.