Stablecoins are widely used for trading, transfers, and digital settlement. Using them for an everyday purchase, however, can still require several steps: selling the asset, converting it into local currency, moving funds to another payment account, and then paying through a separate network.

XT Pay is designed to shorten that process for supported transactions. Eligible users can scan a participating merchant’s local payment QR code and authorize payment using USDT held in their XT Spot account. The user reviews the order amount, exchange rate, and applicable fee before confirming. Then, a designated third-party payment provider processes the local QR payment and settles the corresponding fiat amount with the merchant.

XT Scan to Pay at a glance

• Payment asset: The current product guide supports USDT held in the user’s XT Spot account.
• Payment method: Users scan a supported merchant QR code through the XT App and confirm the calculated USDT deduction.
• Merchant settlement: A designated third-party payment provider processes the local QR payment and fiat settlement.
• Current documented coverage: The product guide lists 12 markets and their local QR networks, subject to provider, merchant, user, and regulatory availability.
• What users should review: Merchant details, local-currency amount, exchange rate, USDT deduction, fee, authentication request, and transaction limits.

What is XT Pay?

Scan to Pay is the currently documented merchant-payment feature within XT Pay. It uses USDT from the user’s Spot account and connects supported transactions to selected local QR payment networks. Users do not need to manually sell USDT or transfer local fiat to a separate payment account before initiating the payment.

When a supported QR code is scanned, the system calculates the USDT required using the order amount and the exchange rate applicable at the time of payment. After the user reviews the details, confirms, and completes the required authentication, the corresponding USDT and payment fee are deducted from the Spot account. The designated payment provider then processes the local QR payment and settles with the merchant under the applicable local payment rules.

Availability depends on the provider, market, QR network, merchant, user eligibility, KYC status, transaction amount, and local regulation. A QR code being visible at a merchant does not necessarily mean it is supported by XT Pay.

How to pay with USDT using XT Pay

1. Prepare your account. Sign in to the XT App, complete any required identity verification, and make sure sufficient USDT is available in the Spot account.
2. Review account security. Open the Security Center and consider setting up a Passkey. The current guide also lists Google Authenticator, email verification, and SMS verification as possible alternatives when a Passkey is not configured.
3. Open XT Pay. Tap the Scan icon at the top of the XT App home page, or open XT Pay and select Scan to Pay.
4. Scan the merchant QR code. The code must belong to a supported market, network, provider, and participating merchant.
5. Review or enter the order amount. Some merchant codes populate the value automatically; others may require manual entry. Certain transactions may request additional KYC information.
6. Confirm the payment. Check the merchant, local-currency amount, exchange rate, USDT deduction, fee, and authentication request before selecting Confirm Payment.

Payment records can be reviewed in XT Pay under Recent Transactions. The corresponding USDT movement is also available through Assets > Spot > Transaction History > Distribution.

Checks to complete before scanning and confirming

• Confirm the merchant: Verify that the merchant name and displayed order are correct before entering or approving any amount.
• Check the Spot balance: Make sure available USDT covers both the purchase amount and any additional payment fee.
• Review the complete quote: Read the local-currency amount, calculated USDT deduction, exchange rate, fee, and authentication request together.
• Confirm eligibility: Do not assume every QR code on the same national network is supported; the provider, merchant, user, and transaction must all be eligible.
• Keep the payment record: Retain the confirmation until the merchant has completed the purchase or any refund has been resolved.

Supported markets and local QR payment networks

The current internal product guide lists the following 12 markets and local QR networks. Coverage should be reconfirmed immediately before publication because provider, merchant, and regulatory availability can change.

Country / region	Local QR payment network
Malaysia	DuitNow QR
Vietnam	VietQR / VNPay QR
Brazil	Pix QR
Argentina	QR 3.0
Peru	Yape / Plin QR
Cambodia	KHQR
Indonesia	QRIS
Bolivia	QR Bolivia
Colombia	Bre-B QR
Philippines	QR Ph
Laos	BCEL Onepay QR
Mongolia	QPay

Source: Internal XT Pay product guide; reconfirm all market and network names before publication

Fees, exchange rates, and transaction limits

The current product guide states that XT charges a payment fee equal to 0.3% of the payment amount. The fee is deducted from the Spot account in addition to the USDT used for the purchase. Users should review the final amount and fee shown in the payment interface before confirming.

Transaction limits are calculated in US-dollar equivalent. Each supported market and QR network may have its own minimum and maximum per transaction. The current guide lists a default cumulative daily payment limit of 5,000 USD per user. When a local-currency amount is entered, the system calculates its USD equivalent using the rate applicable at the time of payment.

A transaction may fail if it is below the network minimum, above the per-transaction maximum, above the user’s remaining daily limit, or otherwise unsupported by the provider or merchant. Fees, limits, rates, and availability may change, so the payment interface should be treated as the final transaction-level source.

Payment authentication and Passkeys

XT recommends setting up a Passkey through the Security Center before using XT Pay. Depending on the user’s setup, a Passkey can use a device password, biometric verification, a security key, or another authorized device.

A Passkey is not documented as mandatory for every Scan to Pay transaction. Users who have not configured one may be presented with Google Authenticator, email verification, or SMS verification. The method can depend on the account and transaction. Users should never disclose a complete verification code or approve an authentication request they did not initiate.

See also: How to create Passkeys for your XT account

What happens if a payment fails or is refunded?

According to the current product documentation, the payment amount is returned to the Spot account when a payment fails. If only part of an order is refunded, only the refunded portion is returned. When an order refund is processed, the corresponding payment fee is also returned to the Spot account.

A refund should not be confused with a dispute over the merchant’s goods or services. XT is not the seller and does not guarantee merchant fulfillment. Users should keep the transaction record and follow the applicable merchant, provider, and XT support process for the specific issue.

How responsibilities are divided

• User: Reviews the order, confirms the merchant and payment details, authorizes the USDT transfer, and completes authentication.
• XT: Provides the digital-asset payment interface and technical support, and transfers the authorized USDT to the designated third-party provider.
• Payment provider: Processes the local QR payment, applies the relevant exchange rate, and handles local-fiat settlement and clearing with the merchant.
• Merchant: Provides the goods or services and remains responsible for fulfilling the purchase.

Connecting digital assets with everyday spending

Where supported, XT Pay can connect a USDT balance with familiar payment settings such as dining, shopping, retail, and everyday services. The merchant does not necessarily accept cryptocurrency directly; the user authorizes a USDT payment while the designated provider connects the transaction to the local QR network and settles with the merchant in local fiat.

Eligible users can open the XT App, select Scan or XT Pay, and review the availability, merchant details, quote, fee, and payment requirements displayed for their market before proceeding.

Frequently Asked Questions

Which asset can I use for XT Scan to Pay?

The current product guide lists USDT held in the XT Spot account.

Does every merchant QR code work?

No. Support depends on the provider, market, network, merchant, user eligibility, transaction amount, and local regulation.

Do I need a Passkey?

XT recommends a Passkey, but the current guide also lists Google Authenticator, email verification, and SMS verification as possible authentication methods.

Where can I find payment records?

Open XT Pay and review Recent Transactions. The USDT movement can also be reviewed in the Spot account transaction history.

What should I do if the merchant does not complete the purchase?

Keep the payment record and contact the merchant, payment provider, or XT Support through the process applicable to the specific issue.

About XT Exchange

Founded in 2018, XT Exchange is a leading global digital asset trading platform, serving over 12 million registered users across more than 200 countries and regions, with an ecosystem reach exceeding 40 million. XT Exchange supports 1,300+ tokens and 1,300+ trading pairs, offering a wide range of trading options, including spot, margin, and futures, alongside a secure RWA (Real World Assets) marketplace. Guided by the vision “Xplore Crypto, Trade with Trust,” the platform strives to provide a secure, trusted, and intuitive trading experience.

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XT Scan to Pay availability, markets, payment networks, transaction limits, exchange rates, KYC requirements, fees, refunds, and settlement outcomes may vary by provider, merchant, user, and local regulation. XT does not directly provide local-fiat payment, transfer, clearing, or settlement services and is not a party to the purchase between the user and merchant.