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Polygon USDT transfer notifications, delivered as webhooks

Get a signed webhook when a Polygon address sends or receives USDT. Chainhook waits 64 blocks, about 2 minutes, so reorgs are already behind you.

Start for freeAPI reference

USDT on Polygon at a glance

The contract Chainhook watches, how amounts are scaled, and how long USDT takes to reach your endpoint.

Token
Tether USD (USDT)
Network
Polygon
Issuer
Tether
Contract
0xc2132d05d31c914a87c6611c10748aeb04b58e8f
Decimals
6
Confirmations
64
Time to webhook
About 2 minutes

How USDT ERC-20 webhooks work

Polygon blocks arrive every second or two, and short reorgs have historically been more common than on Ethereum. A home-grown poller has to re-check recent blocks and undo credits when they change. Chainhook waits 64 blocks first, so an event you receive is already settled.

  1. Register the address

    Create a webhook with network: "polygon", type: "token" and the address you want to watch. The signing secret is returned once.

  2. Chainhook waits for confirmations

    Every Polygon block is scanned. A matching USDT transfer is held until it is 64 blocks deep, about 2 minutes.

  3. Your endpoint gets a signed POST

    A transfer.detected event arrives with an X-Webhook-Signature header. Failed attempts are retried automatically, up to 3 attempts in total, waiting 1 minute, then 5 minutes between attempts.

POST /v1/webhooks

{
  "network": "polygon",
  "type": "token",
  "direction": "in",
  "address": "0x8a6d4f369607ca7153e33925a82da3b95b623151",
  "webhook_url": "https://api.example.com/webhooks/chainhook"
}

Sample webhook payload

What your endpoint receives for an incoming USDT transfer on Polygon. amount is already scaled by decimals; amount_raw is the on-chain integer.

USDT on Polygon

POST /webhooks/chainhook HTTP/1.1
Host: api.example.com
Content-Type: application/json
User-Agent: chainhook/1.x
X-Webhook-Id: 01a0fbfd-4fe4-7a3c-8f21-6b9d0e4c7a15
X-Webhook-Signature: 7a12d02673420517279805cf8188a1a62c6f69706161ba5cf0a8ec91ea66b8e3

{
  "id": "01a0fbfd-4fe4-7a3c-8f21-6b9d0e4c7a15",
  "event": "transfer.detected",
  "created_at": "2026-10-02T09:41:17Z",
  "webhook_id": "01a0fbf2-fadc-7c3e-9b1a-4d6f2e8a5c71",
  "data": {
    "network": "polygon",
    "direction": "in",
    "type": "token",
    "transaction_hash": "0x0dd2f06f83c10181a63fef3a6a440146111a70d9f6add374cf203799351cbdad",
    "transfer_index": 309,
    "block_number": 95905549,
    "block_hash": "0xa54382129f97092fec8ef30a3b554df1251658506207d6b2d59233be726a7a55",
    "block_timestamp": "2026-10-02T09:41:05Z",
    "confirmations": 64,
    "from": "0x3058e4d8b2f856f0de9f47608d754cd101ae8a2a",
    "to": "0x8a6d4f369607ca7153e33925a82da3b95b623151",
    "currency": "USDT",
    "amount": "18.5",
    "amount_raw": "18500000",
    "decimals": 6,
    "contract_address": "0xc2132d05d31c914a87c6611c10748aeb04b58e8f"
  }
}

Verify the signature

X-Webhook-Signature is a hex HMAC-SHA256 of the raw body, keyed with your webhook's secret. Reject any request where it doesn't match.

import crypto from 'node:crypto';
import express from 'express';

const app = express();

app.post(
  '/webhooks/chainhook',
  express.raw({ type: 'application/json' }),
  (req, res) => {
    const signature = req.get('X-Webhook-Signature') ?? '';
    const expected = crypto
      .createHmac('sha256', process.env.CHAINHOOK_SIGNING_SECRET)
      .update(req.body)
      .digest('hex');

    const valid =
      signature.length === expected.length &&
      crypto.timingSafeEqual(Buffer.from(signature), Buffer.from(expected));

    if (!valid) {
      return res.sendStatus(401);
    }

    const event = JSON.parse(req.body);
    // Skip event.id if you've already processed it.

    res.sendStatus(200);
  },
);

Crediting USDT deposits safely

Contract and decimals

USDT on Polygon PoS lives at 0xc2132d05d31c914a87c6611c10748aeb04b58e8f with 6 decimals.

Low fees, many small payments

Polygon fees are a fraction of a cent, so expect small, frequent USDT payments. On a paid plan each matched transfer is one detection, so estimate volume on the pricing page.

Deeper confirmations

Polygon waits 64 blocks, more than any other network Chainhook supports, because of its reorg history. That adds about 2 minutes of delay, but you never have to reverse a credit.

Pay per detection

Start with 100 trial detections for 1 month and pay only for what you use. Paid plans add detections, webhooks, and per-detection overage.

  • Pay as you go

    $0/month

    Card required, no monthly fee

    • 100 trial detections for 1 month
    • 3 active webhooks
    • $0.001 per detection after the trial
    • Decoded transfers, delivered once confirmed
    Start for free

  • Starter

    $9/month

    or $90/year billed yearly

    • 25,000 detections a month
    • 25 active webhooks
    • $0.0006 per extra detection
    • Decoded transfers, delivered once confirmed
    Subscribe
  • Recommended

    Growth

    $29/month

    or $290/year billed yearly

    • 100,000 detections a month
    • 100 active webhooks
    • $0.0003 per extra detection
    • Decoded transfers, delivered once confirmed
    Subscribe

  • Scale

    $99/month

    or $990/year billed yearly

    • 400,000 detections a month
    • 200 active webhooks
    • $0.0002 per extra detection
    • Decoded transfers, delivered once confirmed
    Subscribe

Enterprise

Custom limits for teams that need more than 400,000 detections a month or more than 200 active webhooks. Contact us and we'll set up a plan around your volume.

Contact support

Prices in USD, plus applicable tax. Billed monthly or yearly, and paid allowances reset monthly. Cancel any time and keep your plan until the period ends.

Compare plans and estimate your bill

USDT on Polygon questions

Can't find your answer? Contact support.

What is the USDT contract address on Polygon?

0xc2132d05d31c914a87c6611c10748aeb04b58e8f, with 6 decimals.

Why does Polygon take longer than BSC?

Chainhook waits 64 blocks on Polygon to stay clear of reorgs, about 2 minutes. BSC needs fewer confirmations and has faster blocks.

How do I detect an incoming USDT payment on Polygon?

Create a webhook with network: "polygon", type: "token", direction: "in" and the receiving address.

Watch your first wallet

Create an account and start with 100 trial detections for 1 month.

Start for free