Introduction of cryptocurrency payments. Generation of child addresses of a cryptocurrency wallet

There is a task: to introduce payment with bitcoins. I found a way to generate addresses for the same wallet. And now I want to make sure that each user has his own address to which he will send the crypt. And then I know that there is a gap limit – this is when only the first 20 addresses are scanned.

I have some questions:

1. Does the gap limit relate to my problems? After all, I generate addresses programmatically myself.
2. What happens if, for example, I connect to my wallet in Trust Wallet? Will I see a crypt on my balance sheet that has arrived at the child addresses?
3. How does Trust Wallet relate to the gap limit? I know so far that Ledger uses a gap limit