Last week, I helped a friend process a USDT withdrawal. He asked me: "What’s the safest way to receive payments?" This topic is actually quite critical—choose incorrectly, and you might have your card frozen for a few days, or worse, get involved in a tangled mess of disputes.

Honestly, I’ve stepped into quite a few pitfalls over the years. Today, I’ll break down my experience in detail.

**Bank Card? It’s possible, but you need to stay alert**

Many people go straight to using bank cards for convenience. What’s the problem?

Domestic banks have a somewhat unique risk control logic: funds usually go into your account first, then the bank investigates later. If the sender’s source of funds is problematic, the money might already be sitting in your account. Once the risk control system or relevant authorities intervene, you could become an "involved account"—even if you have no idea what’s going on.

It’s like accepting counterfeit money—you’re the victim, but explaining yourself is difficult. So, a bank card should only be a backup option, and you must carefully scrutinize the sender’s background.

**My stronger recommendation: Alipay or WeChat Pay (pre-emptive risk blocking)**

Why?

These two platforms have completely opposite risk control strategies—they start screening before the transfer even occurs.

If the sender’s account shows suspicious activity or irregular fund flows, the system is likely to block the transaction outright, and the money never reaches you. It’s like the platform performing a first-line security check for you.

But there’s one ironclad rule: **Always verify real-name authentication**

Before receiving, the sender’s Alipay/WeChat real-name information must match exactly with the name registered on the trading platform.

Even a single character off is unacceptable. If it doesn’t match? Stop the transaction immediately—don’t be soft.

**In summary**

When converting USDT to cash, choosing the right tool can avoid 80% of the trouble. Prioritize Alipay and WeChat Pay, use bank cards cautiously, and always verify real-name info—don’t think it’s too much trouble.