Payment Gateway for Telegram Sellers 2026: Top 3 Picks

Choosing a payment gateway for Telegram sellers starts with Telegram's own rules, not with fees. Telegram lets bots accept payments by card for physical goods and services through third-party payment providers, but it requires digital goods and services sold inside a bot or Mini App to be paid in Telegram Stars. Most sellers who run a shop, a VIP group or a service business from their channels therefore pair the app, used for marketing and customer support, with an outside gateway that handles card and crypto checkout through payment links, an API and webhook notifications. Below we compare three options, explain where each one fits those rules, and show how to connect a gateway to a custom Telegram bot.

Quick answer: PayMeGate is our first pick for sellers who want card and crypto checkout without uploading ID or business documents at merchant signup: it charges a 1% platform fee plus the provider or network fee, accepts Visa, Mastercard, Apple Pay, Google Pay, PayPal and crypto, and pays out to a wallet you control (customer checks can still apply depending on the payment method). OxaPay is a crypto payment gateway with a documented Telegram bot workflow, and BTCPay is free, self-hosted Bitcoin software with a community Telegram shopping bot plugin. If your bot sells digital goods inside the app, Stars are required instead.

Editorial disclosure

PayMeGate publishes this article and sells payment processing software, including the service ranked first, so it has a commercial interest in this ranking. Fees, minimum orders, payment methods, settlement options, verification requirements and prohibited-business rules were checked on each company's official website and documentation on 7 October 2026: paymegate.com (home, pricing, help page and terms of use), oxapay.com (home page with its terms, pricing page and docs.oxapay.com) and btcpayserver.org (home page, general questions, payment requests documentation and the BTCPay plugin directory). Telegram's Bot Payments documentation, Stars documentation, subscription API page and Bot Developer Terms were read the same day. We also track NOWPayments and Paymento but did not rank them here because we could not verify a first-party Telegram integration on their sites today. Terms change, so confirm current fees and requirements before you sign up.

Telegram payment gateways at a glance

Rank	Provider	What it is	Fees (checked 7 Oct 2026)	Telegram fit	Best for
1	PayMeGate	Card and crypto gateway that settles to your wallet	1% + provider fee (cards); 1% + network fee (crypto)	Payment links in chat, API and webhooks into a custom Telegram bot	Sellers who need card payments plus crypto
2	OxaPay	Crypto payment gateway	From 0.4%; payment links and invoices 1.5%	Documented n8n Telegram payment bot workflow	Crypto-only sellers outside its excluded countries
3	BTCPay	Self-hosted, open-source Bitcoin processor	0% software fees (you pay hosting and network costs)	Community "Telegram Shopping Bot" plugin	Technical sellers who want full control

What Telegram allows: Stars, providers and outside checkout

Telegram is a messaging platform, not a payment processing service, and it does not process card payments on its own. Its bot developer terms say it does not process payments for physical goods and services, does not hold users' funds and does not act as a financial intermediary. There are three routes a seller can use, and the type of product decides which one applies.

1. Physical goods and services through the Bot Payments API. A bot can send an invoice and take card payments through one of more than 20 third-party payment providers that you connect in @BotFather, which displays each connected provider with its token. The payment providers handle and store card details; neither Telegram nor the bot owner sees that data. Telegram charges no commission of its own, but each company has its own fees (Telegram's documentation gives Stripe's US example of 2.9% + 30 cents). A "Stripe TEST MODE" option lets you test payments before you go live.

2. Digital goods and services in Stars. Because of Apple and Google app store rules, every bot and Mini App that sells digital goods and services inside the official apps must use Stars (currency code XTR). The Stars documentation answers the question "Can I accept payment in cryptocurrency instead of Telegram Stars?" with a plain no. A bot found using other payment systems for digital goods can receive a notice and, if it does not comply, be hidden from store versions of the app or removed from the bot platform. If you enable topics in private chats for your bot, Telegram withholds a 15% fee on Stars purchases while that feature stays enabled.

3. An outside gateway. Many sellers use their channels for community, product drops and support, and send paying customers to checkout on their own e-commerce store or a hosted payment page. This is where a crypto payment gateway or card gateway such as the three below fits: physical products, real-world service work, and orders completed on your own website rather than inside a bot's digital goods flow. The terms do not give a single rule for every kind of channel post, so read the current Bot Developer Terms and make sure any bot you run follows the Stars requirement for digital goods.

Stars versus a payment gateway

	Stars	Outside payment gateway
Required for	Digital goods and services sold in bots and Mini Apps	Not required; used for physical goods, services and your own store
How buyers pay	Stars bought through in-app purchases	Card, wallet, bank or crypto, depending on the gateway
What you receive	Stars balance; rewards worth 0.013 USD per Star through Fragment	Fiat or crypto, depending on the service
Timing	Stars may not be available for up to 21 days	Depends on the gateway and network
Refunds and disputes	You must answer /paysupport and can refund Stars	Card network and processor dispute rules apply

Memberships, VIP channels and subscriptions

Paid membership is one of the most common things sold through the app: VIP signal groups, a course with a private channel for students, or a monthly community. There is a native tool for this. Channel admins can create paid invite links that let users join a private channel for a monthly payment in Stars, and the only allowed billing period is 30 days. Bots can also create Star subscriptions.

Selling access to a channel is a digital service, so if a bot sells the membership inside Telegram, the Stars rule applies to it. Sellers who sell a membership or course on their own website, then send an invite link after the payment is complete, are running the sale outside the app, and that is where an outside gateway is used. Either way, keep your own records of each member's subscription status, the payment amount, the billing period, any discount code used and whether a plan was cancelled, so your support team can answer questions and remove access when subscriptions end.

Managing access after payment

Whichever route you choose, access is the part buyers notice. A typical membership flow looks like this: the payment is confirmed, the bot creates a one-time invite link, the member joins, and the bot records the start date. When a renewal fails or a plan is cancelled, the bot removes access to the VIP channel and sends a short message with a link to subscribe again. Keep notifications enabled for failed payments, renewals and new members so your support team sees problems early, and keep member data to the minimum you need: user ID, plan, dates and payment reference. If you offer a discount for annual plans or a first month, record the discount code with the order so support can check what each member paid. Sellers with several channels, for example a free channel, a VIP channel and a course group, often give each one its own plan and access rules, so users only see what they paid for.

How we chose

We started from the providers we track for merchants who want light onboarding, then kept the ones that met these criteria on their own pages today:

• A Telegram workflow you can verify. Payment links you can paste into a message, an API and webhooks, and ideally a documented Telegram bot or plugin.
• Published fees. A clear percentage plus any network fee.
• Onboarding. What the merchant must provide, and where customer checks can still apply.
• Payout control. Whether funds go to a wallet you control or sit in a balance held by the company.
• Acceptable-use and country rules. Whether the terms exclude your business type or country.

We did not run paid test transactions for this comparison, so we make no claims about approval rates, uptime or reliability beyond what each company publishes.

1. PayMeGate: best for card and crypto payment links

PayMeGate is payment orchestration software: it creates orders, offers eligible card and crypto methods through independent providers, tracks confirmation and settles supported crypto to wallets you configure. For a Telegram seller, that means one payment link or checkout can take a Visa card, Apple Pay, PayPal or USDT, and you receive crypto either way. Merchant signup asks for basic account and business details but does not request identity or business-document uploads.

PayMeGate fees (checked 7 October 2026)

Plan	Fee	Payment methods	Settlement	Minimum order
Card Gateway	1% + provider fee	Visa, Mastercard, Amex, Maestro, Apple Pay, Google Pay, PayPal, Revolut, SEPA	USDC payouts to your wallet	$1 to $30 depending on the method
Crypto Gateway	1% + network fee	BTC, ETH, USDC, USDT, SOL and more	Automatic on-chain forwarding	$1 to $30 depending on the method

There are no monthly fees, setup costs or rolling reserves, according to its pricing page.

Key features

• Payment links. Generate a payment link with one request and post it in a message, or have your bot send it to the customer, who can complete payment in a browser.
• REST API and webhooks. Create orders in code; webhook callbacks fire when a payment settles, so a bot can grant access or confirm an order automatically. The default checkout shows card and crypto options on one page.
• Test mode. Scoped keys come with live and test modes, so you can check the full flow before real users start paying.
• Unique address per order. Each crypto checkout creates a fresh receiving address and QR code, which keeps reconciliation simple.
• Self-custodial payouts. You configure payout wallets across EVM, Bitcoin, Solana and TRON network families; PayMeGate says it never custodies merchant funds.
• Integrations. WooCommerce and WHMCS plugins, unlimited websites and a custom checkout domain.

Best for

Sellers who promote in Telegram channels and groups but whose buyers want to pay by card or wallet, not only crypto: physical products, real-world services and orders completed on your own store. See how the PayMeGate payment gateway handles card and crypto in one checkout.

Things to consider

• PayMeGate is software, not a bank or money transmitter; independent providers process payments and may apply customer verification, geographic, fraud or sanctions checks. Its help page says customers may need instant ID verification by phone camera, though some providers allow smaller orders without it.
• Its terms prohibit fake shops, adult content, gambling, intoxicating substances and criminal activity, which rules out several common Telegram niches.
• Provider-funded card payments follow dispute rules set by the provider and the banks involved, so chargebacks are still possible on cards.
• It has no Telegram-specific plugin; you connect it with payment links or the API.

2. OxaPay: crypto payment gateway with a Telegram bot workflow

OxaPay is a crypto-only payment gateway that offers payment links, invoices, white-label checkout, static addresses and payouts. Its pricing page says payment links can be shared "through Telegram, SMS, email, chat", and its documentation includes a ready-made Telegram payment bot built with n8n.

OxaPay fees (checked 7 October 2026)

Service	Fee
Payment link	1.5% per transaction
Merchant invoice	1.5% per transaction
White label	2% per transaction
Static address	2% + fixed fee per transaction
Receive (direct deposits)	1%, once total received exceeds $20,000
Volume pricing	"Fees from 0.4%", depending on your business

Internal transfers are free; blockchain transfers pay the network fee.

Key features

• Telegram bot workflow. The docs describe an n8n workflow that creates invoice links from Telegram commands, sends the link to users in private chats or groups, and posts notifications to an admin group when an invoice is paid, underpaid, expired or refunded. You need an OxaPay account with API access, a bot token from BotFather and a self-hosted n8n instance; you connect your OxaPay and Telegram credentials in n8n, and payment records are stored in data tables.
• Auto-convert. Incoming coins can be converted to stablecoins such as USDT automatically.
• Plugins. WooCommerce and WHMCS plugins alongside the merchant web service.
• Telegram Wallet. OxaPay also offers its own wallet inside the app.

Best for

Crypto-only sellers outside the countries its terms exclude who want a no-code payment link or a ready-made bot.

Things to consider

• Its terms say your business must not be registered in the USA (including its territories), Cuba, Iran, North Korea, Crimea, Sudan, Syria, Bangladesh, Hong Kong, Bolivia or any UN-sanctioned country.
• Services may only be used for the business submitted and approved "during the registration or review process"; undisclosed use can lead to suspension and blocked assets. We did not find a published list of merchant documents, so do not assume there is no review.
• No card payments were listed on the pages we read.
• Its docs suggest delivering digital products after payment; inside a bot, Telegram requires Stars for digital goods, so check that your use case fits before you build it.

3. BTCPay: free, self-hosted option with a Telegram shopping bot plugin

BTCPay Server is open-source, self-hosted software that lets you accept Bitcoin (on-chain and over Lightning) directly to your own wallet with "0% Fees & No Third-party". Because it is software you run, not a company you sign up with, there is no merchant application; the project says its contributors have no control over who uses it.

BTCPay fees (checked 7 October 2026)

Item	Cost
Software	Free and open source
Transaction fees	None charged by the software
Hosting	Your own cloud or hardware, or a third-party host's terms
Network fees	Bitcoin network fees for on-chain payments

Key features

• Telegram Shopping Bot plugin. The BTCPay plugin directory lists a community plugin by Nisaba (version 1.1.0.0, published 26 March 2026) that lets merchants create a bot synchronized with their BTCPay point-of-sale items.
• Payment requests. Create a payment request with an amount in fiat currency or crypto and an optional expiry, then share its URL in a chat; if a customer pays part of it, the page displays the balance due.
• Apps. Point of Sale, tipping button and crowdfunding pages are built in.
• Integrations. The Greenfield API plus e-commerce integrations for WooCommerce, Shopify, WHMCS and Zapier.

Best for

Technical sellers and communities that want zero processing fees, full custody and no third party, and whose buyers already pay in Bitcoin.

Things to consider

• You run and secure the software yourself, or rely on a third-party host and its terms.
• It is built for Bitcoin; we did not see card acceptance on its pages.
• The Telegram plugin is a community project, not part of the core software, so review its code and files before you use it.

PayMeGate vs OxaPay vs BTCPay

	PayMeGate	OxaPay	BTCPay
Card payments	Yes (Visa, Mastercard, Amex, Maestro, Apple Pay, Google Pay, PayPal)	Not listed	Not listed
Crypto	BTC, ETH, USDC, USDT, SOL and more	Wide range, auto-convert to USDT	Bitcoin on-chain and Lightning
Fee	1% + provider or network fee	0.4% to 2% by service	0% software fee
Merchant onboarding	No ID or business-document uploads	Registration or review process	No signup (self-hosted)
Bot tooling	Payment links, API, webhooks	n8n Telegram bot workflow	Community Telegram Shopping Bot plugin
Store integrations	WooCommerce, WHMCS	WooCommerce, WHMCS	WooCommerce, Shopify, WHMCS, Zapier
Custody	Payouts to your wallet	OxaPay balance, auto-withdrawal available	Your own wallet
Country limits	Depends on payment method	Excludes USA and others	None from the software

Why banks and card processors are cautious with Telegram sellers

Many sellers first try a mainstream processor and get declined or frozen. Card processors and their partner banks assess merchant risk, and businesses that sell through messaging apps, with recurring subscriptions, digital access and international buyers, are often placed in a higher-risk category. Banks also watch chargeback rates, and membership sales can attract disputes when users forget about a renewal. That is one reason sellers look at a high-risk payment gateway or at crypto, where on-chain payments are generally final. Crypto does not remove the need for clear refund terms, and the issuing banks behind card methods still apply their own rules to every card transaction.

Fees and settlement on a $100 order

As an example, on a $100 card order PayMeGate takes a $1 platform fee plus the card provider's fee and settles USDC to your wallet. A $100 crypto order costs $1 plus the network fee. OxaPay charges $1.50 on a $100 payment link or invoice before network fees, and BTCPay charges nothing beyond Bitcoin network fees and your hosting costs. Selling the same digital item through Stars is different: the reward value depends on the number of Stars received at Telegram's set rate, and Stars may not be available for up to 21 days. Compare the full picture, including the payout currency (stablecoins, EUR bank payouts or crypto) and how you will move funds to your banks, not just the headline percentage.

How to connect payment providers to a custom Telegram bot

No-code: payment links

Create a payment link in the gateway dashboard and post it in a message, a pinned post or a private chat. This works for one-off sales and early testing, and many sellers start here before they connect a bot.

Build a custom Telegram bot

For repeat sales, a custom Telegram bot creates an order through the gateway when a buyer uses one of your commands, such as /buy, sends back the checkout link and waits for the webhook. A custom Telegram bot can also send reminders before a membership renews. A typical configuration:

1. Create the bot in @BotFather. Keep its token and your gateway API credentials stored on your server, never in shared code.
2. Configure the webhook URL in the gateway, keep test mode enabled, and confirm that payment notifications arrive. Check the webhook configuration with a small payment amount.
3. On /buy, call the gateway with the payment amount, currency and an order ID, then send the link to the customer.
4. When the webhook confirms payment, check the order details, update the order or subscription status in your database and send a confirmation message.
5. Keep logs of every event so you can resolve disputes and answer /paysupport requests.

If you do not code, you can hire a developer to build a custom Telegram bot; Telegram itself recommends this over handing payments to unknown third-party bots. Remember the split: physical goods and services can use an outside gateway or a Telegram-connected processor, while digital goods sold inside the bot must use Stars. Read the PayMeGate FAQ for more on links and webhooks.

Tips for running payments on Telegram

• Match the checkout to your buyers. If most users pay by card or wallet, a crypto-only gateway will cost you sales; if they already hold USDT, card support matters less.
• Pick a sensible default currency. Price in USD or EUR on the checkout page, and let the gateway handle crypto conversion.
• Check languages and support. Your checkout and support replies should match the languages your channels use, and you should know how to reach the gateway's support team before something goes wrong. A stable connection between your bot and the gateway matters more than a small fee difference.
• Watch reliability. Test the payment link at different times and keep a fallback method ready if one service is down.
• Plan subscriptions. If you sell a monthly membership, decide how members subscribe, renew and get removed when a payment fails or a plan is cancelled.
• Keep files and records. Store invoices, payout data and logs for tax, and pin a short FAQ in your channel so buyers know how to pay.

Risks and compliance

• AML stays with you. Light merchant onboarding does not remove your own anti-money-laundering, tax and consumer-law obligations. PayMeGate's terms say merchants are solely responsible for compliance with the laws that apply to their business.
• Card-network rules. Card payments still follow Visa and Mastercard rules and each provider's acceptable-use policy, and chargebacks can happen.
• Sanctions. Providers screen for sanctions, and OxaPay excludes several countries outright.
• Scams. Telegram says it does not maintain or endorse third-party bots that process payments and advises "extreme caution". Fake admins, look-alike bots and wallet drainers are common, so publish your official bot username, never paste credentials in a group chat and never ask buyers to send funds to personal addresses.
• Telegram enforcement. Selling digital goods through other payment systems inside a bot can get it hidden or removed.

Frequently asked questions

How do you receive payments on Telegram?

Use the Bot Payments API with one of the connected payment providers for physical goods, Stars for digital goods sold in bots, or an outside gateway's payment links and checkout for orders completed on your own store.

What is the Telegram payment system?

It is a set of bot tools. Telegram does not process payments itself: third-party providers handle physical goods, and Stars handle digital goods and services.

What payment methods does Telegram accept?

Through providers, bots can accept cards and other methods each company supports. For digital goods, buyers pay with Stars bought through in-app purchases.

Can you use Telegram for crypto?

Telegram says a bot cannot take crypto instead of Stars for digital goods. Many sellers take crypto through an outside crypto payment gateway for physical goods and services.

Are payments through Telegram safe?

Card data is handled by the payment processor, not the app or the seller. The main risk is scams, so buy only from verified sellers and official bots.

How do I know a scammer on Telegram?

Warning signs include admins who message you first, urgent "limited" offers, requests for a "verification fee" and payment to personal wallets. Check the official username on the seller's website, and ignore anyone who contacts you from a look-alike account offering support.

Do Telegram bots really pay?

Be wary of bots that promise to pay you for tasks or to double deposits. Legitimate bots take payments for products, and the money goes to the seller, not to users.

Does Telegram pay real money?

Sellers receive Stars, which can be converted to rewards through Fragment at a value Telegram sets (currently 0.013 USD per Star), where Fragment is available.

How much do 10,000 Telegram Stars cost?

Buyer prices depend on the app store and region. For sellers, 10,000 Stars equal about $130 in rewards at Telegram's current rate.

Where can I buy crypto without KYC?

Most regulated exchanges require identity checks. On the merchant side, PayMeGate asks for no ID or business-document uploads at signup, though customer checks can apply depending on the payment method.

Is there a crypto payment gateway that works with Telegram?

Yes. OxaPay documents a Telegram payment bot, BTCPay has a community Telegram plugin, and PayMeGate's links and API connect to any custom Telegram bot.

Final verdict

The right gateway depends on what you sell. Digital goods inside a bot must use Telegram Stars; for everything else, PayMeGate is our first choice because it combines card payments and crypto at 1% plus the provider or network fee, pays out to your own wallet and asks for no ID or business-document uploads at merchant signup. OxaPay suits crypto-only sellers outside the US who want a ready-made bot, and BTCPay suits technical sellers who want free, self-hosted Bitcoin payments.

For more on light onboarding, read our guide to the no-KYC payment gateway, compare the crypto payment gateway or learn more about PayMeGate.

Create your PayMeGate merchant account and send a test payment link in a private chat before you go live.