What goes into an ERC-20 payment QR
In «Address only» mode the QR holds just your 0x address. In «Address + amount» mode it holds an EIP-681 URI that calls the USDT contract's transfer function. Note the unusual structure: the address right after ethereum: is the token contract, and your address goes into the address parameter.
ethereum:0xdAC17F958D2ee523a2206206994597C13D831ec7@1/transfer?address=<your 0x address>&uint256=25000000The amount is an integer in the token's smallest units. USDT on Ethereum has 6 decimals, so 25 USDT is 25000000 and 0.5 USDT is 500000. You type the human amount; the generator does the conversion and refuses amounts with more than 6 decimals. @1 is the chain ID of Ethereum mainnet.
Test before you rely on the amount mode
Wallets parse token transfer URIs inconsistently. MetaMask Mobile and several other wallets read them correctly and open a USDT send screen with the amount filled in. Others take the first address in the link — the USDT contract — as the recipient, ignore the amount, or show an error. Sending USDT to the token contract itself is a mistake that usually cannot be undone.
So the rule is simple: scan the QR with the wallets your payers actually use and check that the recipient shown is your address, not 0xdAC17F…. If you do not know which wallet the payer has, use «Address only» and put the amount in the caption or the message next to it. That version works everywhere.
Ethereum addresses and network confusion
An Ethereum address is 0x followed by 40 hex characters. Mixed upper and lower case is the EIP-55 checksum: if you paste it that way, a single typo is detected. All lowercase is valid too, just without that protection.
The same 0x address exists on every EVM network — BNB Chain, Arbitrum, Polygon, Base and others. That is convenient and dangerous: a payer can send USDT on BNB Chain to your address, and if your wallet only watches Ethereum, the funds seem to vanish. They are usually recoverable by adding that network to a self-custody wallet, but not always on exchange deposit addresses. Label the code «USDT · ERC-20 (Ethereum)» and say the network in words.
Gas, amounts and practical uses
The payer pays gas in ETH, and a USDT transfer costs more gas than a plain ETH transfer. A payer with USDT but no ETH cannot send. For small sums, ERC-20 fees can be a large share of the payment — compare with TRC-20 or Solana before you choose which network to offer.
- B2B invoices and contractor payments, where ERC-20 is often the required network: PNG with caption plus invoice number.
- Payment instructions on a website: address only, network label, amount in the text — safest for unknown wallets.
- Printed signage at an office or event: SVG, address only.
Privacy and safety
Ethereum is fully transparent: whoever has your QR can see the address's token balances and history. Keep a dedicated receiving address for public use. Watch for address poisoning — lookalike addresses sending you zero-value or tiny token transfers — and always copy your address from the wallet's receive screen. The generator does not upload the address; the QR is built in the page.
Frequently asked questions
+How do I write 100 USDT in an EIP-681 QR?
Type 100 in the amount field. The generator converts it to 100000000 because USDT on Ethereum has 6 decimals.
+Why does my wallet show the USDT contract as the recipient?
That wallet does not fully support EIP-681 token transfers. Do not send — use the «Address only» QR and enter the amount manually.
+Can I use the same QR for USDT on BNB Chain or Polygon?
The address is the same, but the EIP-681 link points to Ethereum (chain 1) and the USDT contract there. For other networks, give the address only and name the network clearly.
+Who pays the gas?
The sender, in ETH. Receiving costs nothing.
+Is USDC supported too?
Yes, choose «USDC (ERC-20)» in the menu. It also has 6 decimals.
+Is it free and is my address stored?
Free, no account. The QR is generated in your browser and nothing is sent to a server.
Calculations run entirely in your browser; nothing you type is sent to KOT.CASH. Results are estimates for information only and are not financial, tax or legal advice.