Payment Methods Overview

Overview of 3PAY payment models — invoice payments, per-user wallets, withdrawals, and payouts.

Payment Methods Overview

3PAY supports USDT on TRC20 (Tron) and ERC20 (Ethereum) for all payment models.

Inbound

Model	Description	Guide
Invoice Payments	One-time payment links with unique wallet addresses. Best for e-commerce checkout.	Guide
Per-User Wallets	Persistent addresses per user with automatic deposit detection (every 10s). Best for platforms with user balances.	Guide

Outbound

Model	Description	Guide
Withdrawals (API)	End-user withdrawal requests. Auto-approved under threshold, or queued for merchant approval.	Guide
Payouts (Dashboard)	Merchant-initiated transfers with OTP. Executes immediately. Dashboard-only — API endpoint disabled.	Guide

Fees

Operation	Fee
Deposits	Tiered per merchant (configurable: merchant or user pays)
TRC20 Withdrawals	2 USDT flat
ERC20 Withdrawals	2–2.5 USDT flat

Details: Settlement & Reconciliation

Choosing a Model

Need	Model
One-time payments / checkout	Invoice Payments
User accounts with balances	Per-User Wallets
Both	Combine Invoice + Wallets
Sending funds out	Withdrawals (API) or Payouts (Dashboard)

Updated 26 days ago