What a USDT invoice is, and what it is not
When people say "send me a USDT invoice", they usually mean one of two things. The first is a PDF or an email with an amount and a wallet address pasted at the bottom. The second is an invoice link: a web page that shows the amount, the network, a QR code and an address generated for this payment, and that updates by itself when the money arrives.
The first works, but the payer has to copy an address by hand, pick the network on their own and hope they send the right amount. The second removes most of those chances to get it wrong. This guide covers the invoice link. If you also need a formal invoice for your accounting (with your tax ID, the client's details and line items), keep issuing it the way your country requires and add the payment link to it as the way to pay.
Before you start: three decisions
- The currency of the price. You can price the invoice in US dollars, euros or directly in a coin. A USD price is converted to the coin at the current rate when the invoice is created, so the client sees one exact amount, for example 250.00 USDT.
- The coin and the network. USDT exists on several blockchains. On Satqo you can take USDT on TRON and TON, and on Ethereum; USDC on Ethereum and Arbitrum. If you are not sure, leave the choice to the client: the payment page lets them pick the network they already use.
- How long the link stays open. Rates and client habits differ. A link that stays open for an hour suits a client who pays right away; a day suits a client in another time zone.
Step by step
- Open a free account at dash.satqo.com. There is no subscription and no setup fee.
- Go to Get paid and start a new invoice. Enter the amount, choose the coin the client will pay with (or let them choose) and write what the payment is for, such as "Logo design, October". That description is what the client sees on the page.
- Open Advanced settings if you need them. There you can set how long the link lives (from 15 minutes up to 24 hours), an order number to show the client, the client's email and the links the client returns to after paying.
- Create the invoice and copy the link. It looks like
pay.satqo.com/aB3dE5fG. Send it in Telegram, WhatsApp or email, paste it into your PDF invoice, or show the QR code if the client is in front of you. - Wait for the status to change. The client opens the link, picks a network and pays from any wallet or exchange. No account is needed on their side. On TRON a payment of up to USD 1,000 typically reaches your balance in about 10 seconds; on Ethereum it takes a few minutes.
If you add your logo and brand colour under Account → Payment page, the invoice page shows your brand instead of a generic one. Clients are more comfortable paying a page that looks like it comes from you.
What the statuses mean
| Status | What happened | What you do |
|---|---|---|
| Created | The link exists; nothing has been paid yet. | Nothing. Remind the client if needed. |
| Pending | Part of the amount arrived; the link is still open. | Wait: the client can send the rest to the same page. |
| Completed | The full amount arrived and is on your balance. | Deliver the work or the order. |
| Overpaid | The client sent more than asked. All of it is credited. | Decide whether to refund the difference or keep it as credit. |
| Underpaid / failed | The link expired with only part paid. What arrived stays on your balance. | Ask for the rest with a new link, or refund. |
| Expired | Time ran out and nothing was paid. | Create a new invoice; the rate may have changed. |
Five mistakes to avoid
- Sending a reused address instead of a link. A bare address does not tell you which invoice a transfer pays, and it invites address poisoning: scammers send dust from look-alike addresses hoping someone copies the wrong one.
- Not mentioning exchange fees. Many exchanges deduct their withdrawal fee from the amount sent. Tell clients who pay from an exchange to make sure the amount that leaves covers the full invoice, or the page will show it as partly paid.
- Pricing in USD and sending the link days later. For stablecoins this barely matters, but for other coins the rate moves. Create the link when the client is ready to pay.
- Forgetting the TON memo. On TON, payments go to a shared address with a memo (comment). The invoice page shows it; a payment without the memo cannot be matched automatically.
- No record of what the payment was for. Always fill in the description. It ends up in your CSV statement and saves your accountant time.
What it costs
As of October 2026, creating invoices is free. Satqo keeps 0.5% of each incoming payment, and the client pays the network fee of their own transfer. For a 250 USDT invoice you get 248.75 USDT on your balance. Sending money out to a wallet has no Satqo fee, only the network fee of that transfer. Current fees are always in the pricing section.
When an invoice is not the right tool
An invoice is made for one payment of a known amount. For other cases there are better options:
- Same price for many customers (a course, a template, a monthly plan): a reusable pay button or link,
pay.satqo.com/b/CODE, that creates a fresh invoice for each buyer. See selling digital products for USDT. - A customer in front of you: point-of-sale mode turns a phone or tablet into a keypad with a big QR code. See accepting USDT in a shop or café.
- Hundreds of orders from a store: the API creates invoices automatically and sends a signed webhook when each one is paid. The API reference has copy-paste recipes.
Frequently asked questions
Does my client need a Satqo account to pay?
No. They open the link and pay from any wallet or exchange they already use. The page shows the amount, the network, the address and a QR code.
Can I price a USDT invoice in dollars or euros?
Yes. Enter the price in USD or EUR and choose USDT as the coin. The amount in USDT is fixed when the invoice is created, so the client pays an exact figure.
How long is the invoice link valid?
A link made in the dashboard works for 24 hours unless you change it. Under Advanced settings you can choose anything from 15 minutes to 24 hours; the amount in coins is fixed for that time. After it expires, create a new one.
What if the client sends the USDT on the wrong network?
The invoice page shows one network and its address, which makes this rare. If funds arrive on a network the invoice does not support, contact support with the transaction hash; recovery is not always possible, which is why the network should be agreed first.
Is a payment link a legal invoice?
Not by itself. It is a way to collect the payment. If your country requires a formal invoice with tax details, issue it as usual and include the link as the payment method.