Supported Tokens

PayIn supports major stablecoins across multiple blockchain networks. All supported tokens are USD-pegged stablecoins, providing price stability for payment transactions.

Overview

Token	Full Name	Decimals	Supported Networks	Status
USDC	USD Coin	6	Ethereum, Polygon, Solana	✅ Active
USDT	Tether USD	6	Ethereum, Polygon, Tron	✅ Active
DAI	Dai Stablecoin	18	Ethereum, Polygon	🚧 Coming Soon
USD1	USD1	18	Multiple chains	🚧 Coming Soon

Token Details

USDC (USD Coin)

USD Coin is a fully-reserved stablecoin issued by Circle, pegged 1:1 to the US Dollar.

Key Features:

🏦 Issued by Circle (regulated financial institution)
✅ Monthly attestations by independent auditors
🌐 Wide adoption across DeFi and CEXs
💰 Backed by cash and short-term US Treasury bonds

Decimals: 6 (1 USDC = 1,000,000 units)

Testnet Contracts

Network	Contract Address	Get Test Tokens
Ethereum Sepolia	`0x1c7D4B196Cb0C7B01d743Fbc6116a902379C7238`	Circle Testnet Faucet
Polygon Amoy	`0x41E94Eb019C0762f9Bfcf9Fb1E58725BfB0e7582`	Polygon Faucet
Solana Devnet	`4zMMC9srt5Ri5X14GAgXhaHii3GnPAEERYPJgZJDncDU`	Solana Faucet

Mainnet Contracts

Network	Contract Address	Block Explorer
Ethereum	`0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48`	Etherscan
Polygon	`0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359`	Polygonscan
Solana	`EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v`	Solscan

When to Use USDC:

Maximum regulatory compliance
Institutional-grade transparency
Multi-chain DeFi integrations
Users who prefer Circle-backed stablecoins

USDT (Tether USD)

Tether is the most widely circulated stablecoin, especially popular in Asia-Pacific markets.

Key Features:

🌏 Largest stablecoin by market cap and circulation
🔄 High liquidity on all major exchanges
💼 Popular for remittances and trading
🌐 Available on 10+ blockchain networks

Decimals: 6 (1 USDT = 1,000,000 units)

Testnet Contracts

Network	Contract Address	Get Test Tokens
Tron Nile	`TXYZopYRdj2D9XRtbG411XZZ3kM5VkAeBf`	TronGrid Faucet

Getting Testnet USDT

Most testnets don't have official USDT faucets. You may need to:

Get test native tokens (ETH, MATIC) from faucets
Use testnet DEXs to swap for test USDT
Or deploy your own test USDT contract for development

Mainnet Contracts

Network	Contract Address	Block Explorer
Ethereum	`0xdAC17F958D2ee523a2206206994597C13D831ec7`	Etherscan
Polygon	`0xc2132D05D31c914a87C6611C10748AEb04B58e8F`	Polygonscan
Tron	`TR7NHqjeKQxGTCi8q8ZY4pL8otSzgjLj6t`	Tronscan

When to Use USDT:

Asia-Pacific markets
Maximum liquidity requirements
Tron network (most popular USDT chain)
Users familiar with Tether

DAI

Decentralized stablecoin governed by MakerDAO.

Key Features:

🏛️ Fully decentralized and transparent
🔗 Collateralized by crypto assets
📊 On-chain transparency
🗳️ Community-governed

Decimals: 18

Planned Support:

Ethereum Mainnet
Polygon Mainnet
Ethereum Sepolia (testnet)
Polygon Amoy (testnet)

USD1

Next-generation stablecoin with enhanced features.

Status: Integration in progress

Token Selection Guide

By Use Case

Use Case	Recommended Token	Reason
General Payments	USDC	Best balance of trust and adoption
Asia-Pacific	USDT	Most popular in the region
DeFi Integration	USDC or DAI	Wide DeFi support
Low Fees	USDT on Tron	Lowest transaction costs
Institutional	USDC	Regulated and audited
Decentralization	DAI	Community-governed

By Network

Network	Available Tokens	Best Choice
Ethereum	USDC, USDT, DAI*	USDC (for high-value), USDT (for liquidity)
Polygon	USDC, USDT, DAI*	USDC (low fees + trusted)
Tron	USDT	USDT (only option, very popular)
Solana	USDC	USDC (only option, ultra-low fees)

*DAI: Coming Soon

Using Tokens in Your Integration

With MCP Server

Simply specify the token symbol when creating orders or deposits:

Create a payment order:
- Amount: 100 USDC
- Chain: polygon-mainnet

Create a deposit address:
- User ID: user_12345
- Currency: USDT
- Chain: tron-mainnet

With Direct API

TypeScript Example:

typescript

// Create USDC order on Polygon
const orderResponse = await fetch(`${PAYIN_API_URL}/orders`, {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json',
    'X-API-Key': API_KEY
  },
  body: JSON.stringify({
    orderReference: 'ORDER-001',
    amount: '100.50',
    currency: 'USDC',           // Token symbol
    chainId: 'polygon-mainnet', // Network
    successUrl: 'https://yoursite.com/success',
    cancelUrl: 'https://yoursite.com/cancel'
  })
});

// Create USDT deposit on Tron
const depositResponse = await fetch(`${PAYIN_API_URL}/deposits`, {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json',
    'X-API-Key': API_KEY
  },
  body: JSON.stringify({
    depositReference: 'user_12345',
    currency: 'USDT',        // Token symbol
    chainId: 'tron-mainnet'  // Network
  })
});

Token Amounts and Decimals

Understanding Decimals

Each token has a specific number of decimals:

USDC/USDT: 6 decimals (1.000000)
DAI: 18 decimals (1.000000000000000000)

Important: PayIn handles decimal conversion automatically. Always specify amounts in human-readable format (e.g., "100.50" for 100.50 USDC).

Amount Format Examples

✅ Correct:

typescript

amount: "100.50"    // 100.50 USDC/USDT
amount: "0.01"      // 0.01 USDC/USDT (1 cent)
amount: "1000"      // 1000 USDC/USDT
amount: "10.123456" // Maximum 6 decimals for USDC/USDT

❌ Incorrect:

typescript

amount: 100.50        // Must be string, not number
amount: "100.5000001" // Too many decimals for USDC/USDT (max 6)
amount: "$100.50"     // No currency symbols
amount: "100,50"      // Use dot, not comma

Minimum and Maximum Amounts

Token	Minimum Amount	Maximum Amount	Notes
USDC	0.01 (1 cent)	No limit	Practical limit depends on gas/fees
USDT	0.01 (1 cent)	No limit	Tron has very high limits
DAI	0.01 (1 cent)	No limit	Coming Soon

Best Practice

For production, set your own minimum amounts based on your business logic and transaction costs. For example, setting a $5 minimum helps cover transaction fees.

Getting Tokens for Testing

Testnet Tokens (Free)

Get Native Tokens First:
- Ethereum Sepolia: Get test ETH
- Polygon Amoy: Get test MATIC
- Tron Nile: Get test TRX
- Solana Devnet: Use solana airdrop command
Get Stablecoin Test Tokens:
- USDC: Use Circle Testnet Faucet
- USDT: Swap test native tokens on testnet DEXs
- Or: Deploy your own test ERC20 contract

Mainnet Tokens (Real Money)

Real Money Required

Mainnet tokens have real value. You must purchase them from exchanges or receive them from others.

How to Get Mainnet Tokens:

Buy from Centralized Exchanges:
- Coinbase, Binance, Kraken, etc.
- Buy USDC/USDT with fiat currency
- Withdraw to your wallet on the desired network
Use DEXs (Decentralized Exchanges):
- Uniswap (Ethereum)
- QuickSwap (Polygon)
- JustSwap (Tron)
- Raydium (Solana)
- Swap native tokens for stablecoins
Peer-to-Peer:
- Receive from other wallets
- Ensure correct network!

Network Verification

Always verify you're buying/receiving tokens on the correct network. USDC on Ethereum is different from USDC on Polygon. Sending to wrong network = lost funds.

Token Contract Verification

How to Verify Contracts

Before integrating, verify token contracts on block explorers:

Ethereum/Polygon (EVM):

Visit Etherscan or Polygonscan
Search for contract address
Check "Contract" tab
Verify it's the official token contract
Check for verified source code

Tron:

Visit Tronscan
Search for contract address
Check token information
Verify it matches official Tether USDT

Solana:

Visit Solscan
Search for mint address
Verify it's the official Circle USDC mint

Official Token Resources

USDC: circle.com/usdc
USDT: tether.to
DAI: makerdao.com

Multi-Token Strategy

For Order Payments

Let users choose their preferred token and network:

typescript

// Present options to user
const paymentOptions = [
  { token: 'USDC', network: 'polygon-mainnet', fee: '$0.01' },
  { token: 'USDT', network: 'tron-mainnet', fee: '$1.00' },
  { token: 'USDC', network: 'ethereum-mainnet', fee: '$5-20' }
];

// Create order with user's selection
const order = await createOrder({
  orderReference: 'ORDER-001',
  amount: '100.00',
  currency: userSelectedToken,   // User's choice
  chainId: userSelectedNetwork    // User's choice
});

For Deposit Services

Users can bind multiple deposit addresses for different tokens:

typescript

// Bind USDT on Tron for user
await createDepositReference({
  depositReference: 'user_12345',
  currency: 'USDT',
  chainId: 'tron-mainnet'
});

// Bind USDC on Polygon for same user
await createDepositReference({
  depositReference: 'user_12345',
  currency: 'USDC',
  chainId: 'polygon-mainnet'
});

// Now user has 2 deposit addresses for different tokens

Next Steps

API Integration Guide - Integrate with code
Quick Start with MCP - Use AI assistant
Supported Networks - View all networks

FAQs

Q: What's the difference between USDC and USDT? USDC is issued by Circle (regulated US company) with monthly attestations. USDT is issued by Tether with the largest circulation. Both are pegged 1:1 to USD.

Q: Can I accept multiple tokens for the same order? No, each order is for a specific token on a specific network. Users must pay exactly as specified. To support multiple options, create separate orders or let users choose before order creation.

Q: What happens if a user sends the wrong token? If a user sends a different token to the payment address, those funds cannot be automatically credited. Manual recovery may be possible but is complex. Always display clear payment instructions.

Q: What happens if a user sends the wrong amount? PayIn uses exact amount matching. If the amount doesn't match exactly, the order will not complete automatically. The user would need to contact support.

Q: Do you support native tokens (ETH, MATIC, TRX)? No, PayIn currently only supports stablecoins (USDC, USDT, DAI). Native tokens are not supported.

Q: When will DAI and USD1 be supported?

Q: Can I request support for a specific stablecoin?

Supported Tokens ​

Overview ​

Token Details ​

USDC (USD Coin) ​

Testnet Contracts ​

Mainnet Contracts ​

USDT (Tether USD) ​

Testnet Contracts ​

Mainnet Contracts ​

DAI ​

USD1 ​

Token Selection Guide ​

By Use Case ​

By Network ​

Using Tokens in Your Integration ​

With MCP Server ​

With Direct API ​

Token Amounts and Decimals ​

Understanding Decimals ​

Amount Format Examples ​

Minimum and Maximum Amounts ​

Getting Tokens for Testing ​

Testnet Tokens (Free) ​

Mainnet Tokens (Real Money) ​

Token Contract Verification ​

How to Verify Contracts ​

Official Token Resources ​

Multi-Token Strategy ​

For Order Payments ​

For Deposit Services ​

Next Steps ​

FAQs ​

Supported Tokens

Overview

Token Details

USDC (USD Coin)

Testnet Contracts

Mainnet Contracts

USDT (Tether USD)

Testnet Contracts

Mainnet Contracts

DAI

USD1

Token Selection Guide

By Use Case

By Network

Using Tokens in Your Integration

With MCP Server

With Direct API

Token Amounts and Decimals

Understanding Decimals

Amount Format Examples

Minimum and Maximum Amounts

Getting Tokens for Testing

Testnet Tokens (Free)

Mainnet Tokens (Real Money)

Token Contract Verification

How to Verify Contracts

Official Token Resources

Multi-Token Strategy

For Order Payments

For Deposit Services

Next Steps

FAQs