Which Network to Use for USDC and USDT Payments to India

Choose a network for USDC or USDT payments to India. Compare Ethereum, Tron, Solana and layer 2 costs, support and risks of sending to the wrong network.

Dhruv Gera
Dhruv GeraCo-Founder @DashxHQ

· 3 min read

Which Network to Use for USDC and USDT Payments to India

Send on the network your dashboard lists, and agree it in writing before the first transfer.

Use the network that your DashX dashboard lists for the coin you are sending, and agree it in writing with your client before the first transfer. An address works only on the network it was created for, and coins sent on the wrong one usually cannot be recovered. DashX supports Polygon, Base, Arbitrum and Solana only, so pick the cheapest of those that your client's wallet or exchange supports. Do not deposit on any other chain, because funds may be irrecoverable. For the wider picture of getting paid in dollars, see USD payment methods for freelancers and receive USD in India.

What a network is

A network is the blockchain a coin travels on. The same stablecoin exists on several networks as separate versions, each with its own address format and its own transfer fee. USDC on one network and USDC on another are not interchangeable, even though both are called USDC.

The networks DashX supports

DashX receives USDC and USDT on the four networks below. Costs change with demand, so check the live fee in your client's wallet before sending, and check your dashboard for which coins each network carries.

NetworkTypical characterWorth knowing
PolygonLow transfer feesSupported by many wallets and exchanges
BaseLow fees, built on top of EthereumSupport varies by wallet and exchange
ArbitrumLow fees, built on top of EthereumSupport varies by wallet and exchange
SolanaFast and low costSupported by fewer exchanges than some other networks
Any other network, including Ethereum mainnet and TronNot supportedDo not deposit on any other chain, because funds may be irrecoverable

Send a test payment first

Before the real payment, ask your client to send a small amount on the agreed network and check it in two places. Look up the transaction on a block explorer for that network to confirm the coin arrived, then check the payment in your dashboard. If both show it, send the rest. The test costs a few dollars and removes the biggest risk.

Agree the network in writing

Put the coin and network in the same message as the address, so nobody has to remember them. For example:

Please pay USD 2,000 in USDC on [network] to the address in the attached payment instructions. Please send a small test amount first and share the transaction hash.

What happens if the network is wrong

Coins sent on a network that your address does not support often cannot be recovered. A service that receives the transfer can sometimes recover it, but nothing guarantees that. If it happens, stop, do not send again, and write to DashX support with the invoice number, the transaction hash, the coin and the network used. Our safety checklist covers the other common mistakes.

A five point checklist

  • Read the supported networks in your dashboard before you invoice.

  • Tell your client the coin and the network in writing.

  • Copy the address from your dashboard each time.

  • Ask for a test payment first.

  • Confirm the transaction hash on a block explorer, then in your dashboard.

Frequently asked questions

Which network is cheapest? It changes with demand. Among the supported networks, Polygon, Base, Arbitrum and Solana usually have low fees, but your client's wallet decides what is available.

Which network is fastest? Most listed networks confirm in seconds to minutes. Settlement into your bank still follows Indian banking days, as explained in how long USDC to INR takes.

Does the network change my eFIRA? No. The eFIRA shows the USD amount that settled, whichever network carried the coin.

Can I receive on any network? Only on Polygon, Base, Arbitrum and Solana. Any other network is not supported, and funds sent there may be irrecoverable.

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