⚡ Quick summary (TL;DR)
There is no internal transfer: the two are separate accounts, so moving assets between them always goes on-chain, in both directions.
Two modules: Pay deposits accept USDT on three networks; Pay withdrawals are Tron (TRC20) only. Web3 uses each asset’s own chain and needs that chain’s gas to send.
Pay to Web3: use the withdrawal flow with your own Web3 wallet Tron address as the destination; a flat network fee applies.
Web3 to Pay: send from Web3 to the address and network on the Pay deposit page (one of three). Hold that chain’s gas, and clear the minimum credit amount.
Always verify address and network: once on-chain, a wrong network or address cannot be undone.
📖 Overview
Because Pay and the Web3 Wallet live in the same App, people assume assets can hop between them in one tap. They are different kinds of account, though: Pay is an in-app balance kept by the platform, while the Web3 Wallet is an on-chain wallet you control. There is no internal channel between them, so moving assets means using the blockchain.
That makes every move a real on-chain transaction: it carries a fee, a minimum amount, and the risk that a mistake cannot be reversed. Each direction is covered below.
➡️ From Pay to your Web3 wallet
The idea: this is an ordinary on-chain withdrawal — you just put your own Web3 wallet address in the destination field.
In the Web3 Wallet, open Receive, choose USDT with the Tron network, and copy that address.
Switch back to the Pay tab and open the withdrawal flow.
Paste the address, keep the token as USDT and the network as Tron, and enter an amount. You can also scan the address instead of pasting it.
Check the receive amount shown at the bottom, complete the passkey and other security checks, then submit.
💡 Sort out gas at the same time
This moves USDT, not TRX. Once it lands in the Web3 wallet you still need TRX to send anything onward. Buy a little TRX from an exchange and send it over at the same time so your funds are not immobile on arrival. See Can’t send anything out of your Web3 wallet?.
⬅️ From your Web3 wallet back to Pay
The idea: start an ordinary transfer in the Web3 wallet and send it to your Pay on-chain deposit address.
In the Pay tab, open Deposit, choose on-chain, pick the network, then copy that network’s USDT address.
Switch to Web3 Wallet, open Send, choose USDT, and pick the same network as the Pay deposit page.
Paste the deposit address and enter an amount. Hold that chain’s gas (TRX / BNB / ETH), or it will not send.
Submit and wait for on-chain confirmation; you get a wallet notification once it credits.
⚠️ Deposits have hard rules, and funds below the threshold cannot be recovered
Deposits into Pay must use the network shown on the Pay deposit page, and a transfer only credits if it meets the minimum deposit amount — anything below it neither credits nor can be recovered. Do not send NFTs to that address, and do not deposit through a smart contract. Always read the full notice shown on the deposit page before sending.
After it arrives on-chain the deposit still passes a compliance review before crediting, which can occasionally show as pending. See What to do when a deposit shows as pending.
💰 Cost comparison for both directions
Item | Pay to Web3 | Web3 to Pay |
Which function | Withdrawal in Pay | Send in the Web3 wallet |
Who charges, and how | A flat network fee deducted from the amount | Charged by the chain, taken from that chain’s gas coin |
Do you need that chain’s gas | No | Yes |
Minimum amount | A minimum withdrawal amount applies | A minimum crediting threshold applies; below it nothing credits |
Security verification | Passkey and other checks required | Authorize the signature as the App prompts |
For exact Pay withdrawal rates, limits, and minimums, refer to MPChat Card Limits and Fees and What are the fees for withdrawing or transferring USDT?.
✅ Run through this before you transfer
Confirm the address came from the receive or deposit page right then, not an old one from your history.
Pay→Web3: both ends Tron. Web3→Pay: both ends match the Pay deposit network.
Confirm the amount clears the minimum.
If sending from Web3, confirm you hold that chain’s gas.
For a large move, send a small test amount first and transfer the rest once it arrives.
❓ FAQ
Why isn’t there a one-tap transfer like the internal 划转?
That internal transfer works only inside Pay, moving funds between the Pay balance and your card account. The Web3 Wallet is a self-custodial on-chain wallet whose assets are not on the platform’s ledger, so the blockchain is the only route.
Can I fund my card straight from the Web3 wallet?
Not directly. Cards spend from the Pay balance, so move the assets from the Web3 wallet into Pay first, then use the internal transfer to fund the card account.
How long does it take to arrive?
On-chain confirmation on Tron is usually quick, typically within minutes. Funds coming into Pay also pass a compliance review before crediting, which occasionally takes longer. If it is well overdue, contact in-app support with the time, amount, and on-chain transaction hash.
I sent USDT on a different network than the Pay deposit page. What now?
A Pay deposit address only accepts USDT on the network you selected. Sending from another network, or sending TRX / BNB / ETH itself, usually will not credit and is hard to recover. Contact in-app support right away with the on-chain transaction hash.
📚 Related articles
💬 Still have questions? Contact official support
Reach us through in-app customer support in the MPChat App. Support will never ask for your password, verification code, passkey, or wallet private key.
This article is help-centre reference. Features and fees follow what the App shows and the current terms. Blockchain network fees are charged by the network itself and fluctuate in real time.