free-bep20-usdt-payment-gateway-php-api

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free-bep20-usdt-payment-gateway-php-api

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Production-ready, zero-fee BEP-20 and ERC-20 token payment verification class for custom websites, iGaming platforms, exchanges, and e-commerce checkouts.

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Bep20PaymentChecker.php
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**Production-ready, zero-fee BEP-20 and ERC-20 token payment verification class for custom websites, iGaming platforms, exchanges, and e-commerce checkouts.**

👉 [**Explore Full Turnkey FinTech Ecosystem (Payment Gateway + Wallet + Exchange + Cards)**](https://mintscripts.net/en/market/89-crypto-payment-system-wallet-gateway.html)

## 🔥 The Problem: Why BscScan API and Traditional Gateways Are Dead

If you are running a custom website, an iGaming platform, or an automated checkout system accepting crypto, you already know the pain:

- **BscScan Free Tier Restrictions** – BscScan has drastically limited its free API tier, imposing strict rate limits (5 requests/sec max), breaking historic log requests, and forcing developers into expensive enterprise subscriptions just to check standard incoming transactions.
- **Paid Third-Party Processors** – Centralized gateways (like CoinPayments, NowPayments, or BitPay) take a painful percentage fee (0.5% to 2%+) per transaction, hold your funds, or demand KYC on your business.
- **Unstable Public RPCs** – Relying on a single public node leads to constant `HTTP 429 Too Many Requests`, timeouts, and missed user deposits during high-load traffic spikes.

### 💡 The Solution

**BEP-20 Free Payment Gateway** bypasses centralized explorers completely. By querying decentralized EVM public nodes directly via raw JSON-RPC (using an optimized multi-node fallback chain), this library allows your system to scan blockchain logs, verify user deposits, and track token payments **100% for free, with zero API keys, zero commission fees, and no rate limits.**

## ⚡ Key Features

- **Zero Paid APIs & No Keys Required** – Works out of the box using decentralized public RPC nodes.
- **Built-in Fallback Chain** – Includes 6 robust free RPC endpoints with automatic failover so your payment verification never goes down.
- **Optimized Batch Processing (`fetchLogsForWallets`)** – Fetches blockchain event logs *once per cron run* instead of hammering the node for every single pending order (prevents rate limits and speeds up verification).
- **Instant Single Check (`findPayment`)** – Perfect for a frontend "Check Payment Status" button on checkout pages.
- **Universal Token Support** – Supports USDT, BUSD, USDC, and any custom BEP-20/ERC-20 token (dynamic contract address and decimals parameter).
- **Framework Agnostic** – Pure, clean PHP class. Does not tie you down to MySQL/Eloquent — plug it into any custom database architecture.
- **Developed by Mint Scripts Studio** – Enterprise-grade architecture designed for high-load platforms.

## 📊 Comparison: Why Switch to Direct Node Scanning?

## 🚀 Quick Usage Example

```php
require_once 'Bep20PaymentScanner.php';

use MintScripts\Crypto\Bep20PaymentScanner;

// Initialize scanner with fallback public RPCs
$scanner = new Bep20PaymentScanner([
    'rpc_urls' => [
        'https://bsc-dataseed1.binance.org/',
        'https://bsc-dataseed2.binance.org/',
        'https://1rpc.io/bnb',
        // + 3 more fallback nodes included out of the box
    ],
    'timeout' => 5
]);

// Example: Check incoming USDT (decimals: 18) for a specific order amount
$recipientWallet = '0xYourPlatformWalletAddressHere';
$expectedAmount = 50.00; // 50 USDT
$tokenContract = '0x55d398326f99059fF775485246999027B3197955'; // USDT BEP-20 contract
$decimals = 18;

// 1. Single check for frontend "Verify Payment" button
$txHash = '0x123456789abcdef...'; // Provided by user on checkout
$isValid = $scanner->findPayment($txHash, $recipientWallet, $expectedAmount, $tokenContract, $decimals);

if ($isValid) {
    // Payment confirmed! Credit user balance in your database.
}

// 2. Cron batch check (Scan recent blocks for multiple active pending orders)
$pendingInvoices = [
    ['address' => '0xWallet1...', 'amount' => 10.00],
    ['address' => '0xWallet2...', 'amount' => 100.00],
];

$matchedPayments = $scanner->fetchLogsForWallets($pendingInvoices, $tokenContract, $decimals);
```

## ❓ Frequently Asked Questions (FAQ)

### 1. Is this really free? Are there any hidden transaction fees?
Yes, it is 100% free. You only pay standard BSC network gas fees when moving funds out of your wallet, exactly like any other blockchain interaction. The script itself does not charge any commission or fees.

### 2. What happens if a public RPC node goes down?
The class includes an automatic failover mechanism. If node #1 times out or returns an error, it instantly switches to the next node in the fallback array, ensuring 99.9% uptime for your payment verification.

### 3. Can I use this for ERC-20 tokens on Ethereum or TRC-20 on Tron?
This specific class is engineered for BEP-20 (BNB Smart Chain) and standard EVM-compatible tokens (by changing the RPC URLs to Polygon, Ethereum, etc.). If you need a native TRC-20 (Tron/TronGrid) scanner or a full-scale turnkey iGaming platform solution, contact us directly.

### 4. How can I get a custom iGaming, Casino, or P2P Exchange built for my business?
This library is a free open-source sample of our enterprise architecture. If you need a fully-featured, production-ready platform, check out our flagship [Turnkey Crypto Payment System, Wallet & Exchange Script](https://mintscripts.net/en/market/89-crypto-payment-system-wallet-gateway.html) or contact us for custom software development.

## 🛡️ License & Commercial Support

This project is open-source under the MIT License.

Need custom enterprise integration, a dedicated private RPC cluster setup, automated payouts, or full-scale platform development (FinTech / iGaming / Exchange)?

- **Website:** [mintscripts.net](https://mintscripts.net)
- **Author:** Mint Scripts Studio

## 📌 Requirements

- PHP >= 8.0
- cURL extension enabled
- JSON extension enabled

## 📂 Installation

Clone the repository or download the script directly:

```bash
git clone https://github.com/Mint-Scripts-Studio/free-bep20-usdt-payment-gateway-php.git
```

<div class="markdown-body">
 You can include it via Composer (if available):
 
 <div class="highlight highlight-source-shell">
 <pre>composer require mintscripts/bep20-payment-scanner</pre>
 </div>

<h2>🧪 Testing</h2>
 You can test the scanner with known transaction hashes and wallets. Make sure to use testnet or mainnet accordingly.
 Example test:

<div class="highlight highlight-source-php">
 <pre>$txHash = '0x...';
$wallet = '0x...';
$amount = 10.0;
$contract = '0x55d398326f99059fF775485246999027B3197955';
$decimals = 18;

$result = $scanner-&gt;findPayment($txHash, $wallet, $amount, $contract, $decimals);
var_dump($result);</pre>
 </div>

<h2>🤝 Contributing</h2>
 Contributions are welcome! Feel free to open issues or submit pull requests to improve the library.
</div>

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