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Payment provider comparison on Telegram in 2026

Marketing
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Jagamio

Co-founder / CTO

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This guide explains how to enable and configure a payment system to sell physical products through your Telegram bot created with Jagamio. You’ll learn why a payment intermediary is essential, how to connect it to your bot via @BotFather, and which solutions to choose based on your geographic location.


Target audience: Beginner to intermediate
Prerequisites: A Telegram bot created via @BotFather, an active merchant account with a payment provider, access to Jagamio


Step 1: Understand why a payment intermediary is mandatory
Objective: Learn the role of payment providers in the Telegram ecosystem.

Telegram does not process user payments directly. The platform acts solely as a messenger between the buyer, your bot, and the payment provider.
In practice:
Telegram does not store users' banking details
Telegram does not take any commission on transactions
The payment provider handles and secures all sensitive information (card numbers, etc.)
Neither Telegram nor you (as the bot developer) have access to this data
As a merchant, you are fully responsible for disputes, refunds, and chargebacks. You must therefore choose a reliable provider suited to your market.

⚠️ Note: Ensure your bot has an accessible /terms command and a support channel (/support) before going live, as this is a Telegram requirement.


Step 2: Enable a payment intermediary via @BotFather
Objective: Connect a payment provider to your Telegram bot to generate the payment token.

1. Open Telegram and go to the chat with @BotFather
2. Type the command /mybots
3. Select your merchant bot from the list
4. Navigate to Bot Settings > Payments
5. Choose your payment provider from the list—you’ll be redirected to the provider’s bot
6. Enter the required information (account credentials, API keys, etc.)
7. Return to the chat with @BotFather
8. Copy the displayed token—it includes the provider’s name, the token itself, and the connection date
9. Integrate this token into your Jagamio configuration

⚠️ Note: Never share your live payment token (containing :LIVE:) with third parties. For testing, use "Stripe TEST MODE" with the test card 4242 4242 4242 4242—no real charges will be made.

Step 3: Choose the right provider for your geographic location
Objective: Select the payment provider best suited to your target market.

The choice of provider depends on your country, sales volume, and technical constraints.
Here’s a comparison of options tested by the Jagamio team:

🟧 Redsys
Virtual payment terminal (TPV Virtual) connected to a Spanish partner bank
Ideal for merchants based in Spain or working with Spanish banks
Regulated and reliable solution for the European market
Recommended for: Spanish merchants with access to a compatible Spanish bank.
International / High volumes

🟧 EcommPAY
Provider dedicated to high transaction volumes
Fees around $5,000/month—not cost-effective for small businesses
Recommended for: Marketplaces or stores generating significant sales volumes

🛑 AmmerPay (Ammer Wallet)
Wallet-based system allowing direct payments within Telegram.
Your customers will need to download the Ammer Wallet app from the stores to pay for your products.
Innovative concept, natively integrated into the Telegram ecosystem
⚠️ Bugs detected during testing: Purchasing coins directly in the app does not yet work properly.
After attempting to contact them, we unfortunately never received a response.
Worth monitoring: Potentially interesting solution once stabilized.

🛑 Unlimit
We contacted their sales team. Unfortunately, their service is currently unavailable.

🛑 Smart Glocal
No response despite our follow-ups.

🛑 Stripe
Formerly one of the most widely used providers on Telegram
⛔ The partnership between Stripe and Telegram is no longer active
We all hope an agreement will be reached in the future


⚠️ Note: Only switch to LIVE mode after enabling two-step verification on the Telegram account controlling your bot and after reviewing Telegram’s production checklist.

Conclusion
By following this guide, you’ll be able to:
Understand Telegram’s payment model and the role of intermediaries
Connect a payment provider to your bot via @BotFather
Choose the best solution for your market (Europe, international, native Telegram)
Safely test your payment flow before going live


🚀 The Jagamio payment solution—coming soon
To bypass the challenges of current providers, Jagamio is developing its own payment system. It will allow you to integrate direct payment links into your products within your bots, without relying on an external intermediary.

Sign up for the newsletter to be notified upon release: jagamio.com/news

Additional resources
Official Telegram Payments API Documentation
@ShopBot — Telegram demo bot to test an online store
Demo Shop Telegram — Example of a storefront via a Telegram channel

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Flexibility is key. Offer multiple payment options (cash, credit card, crypto, Telegram Stars) and set your own tax rules (percentage or fixed amount). For physical products, integrate various delivery solutions (Chronopost, Amazon Shipping, in-store pickup) and track each order in real time.

3. An all-in-one tool to manage and grow your business
With Jagamio, manage your store from any device. Receive instant notifications for every sale, handle customer interactions through a dedicated space, and analyze your performance to refine your strategy. Launch promotions, build customer loyalty, and optimize your marketing campaigns—all without leaving Telegram.

Why Jagamio is the ideal solution for selling on Telegram


Jagamio was designed to simplify e-commerce on Telegram. Whether you’re a beginner or an experienced entrepreneur, the tool adapts to your needs. The service is free up to €500 in monthly revenue, and a team of experts is available to support you every step of the way.

Try it now by creating your store or exploring the demo:

👉 Try the bot demo
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Jagamio

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Targeted and automated marketing campaigns: a valuable tool to grow your business.
Launch a marketing campaign on a Telegram bot to boost your sales and retain customers effortlessly.

Why launch a marketing campaign on Telegram?
The marketing power of social media is well-established. The challenge today is to better target prospects and turn them into loyal customers. Telegram is an ideal platform for businesses looking to communicate directly with their audience, without restrictive algorithms or exorbitant advertising costs.
Jagamio lets you create a bot tailored to your brand, enabling you to run automated—and therefore low-effort—marketing campaigns that still reflect your identity. No bland, generic AI agent that bores consumers: you personalize your messages to showcase your products, offer discount codes, or re-engage inactive customers.
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Measuring results: the cornerstone of marketing
Marketing campaigns should help you attract new customers while retaining existing ones. With Jagamio, you can accurately measure campaign effectiveness through detailed performance tracking. The tool lets you analyze open rates, click-throughs, and sales generated by your campaign.
This data is invaluable: it will help you refine your targeting and improve future campaigns.

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Discover how Jagamio can transform your Telegram marketing campaigns:
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Jagamio

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In 2026, Telegram is much more than just a messaging app: it’s an essential sales and customer relationship channel. With over 800 million active users, the platform offers a unique opportunity for businesses to centralize, analyze, and optimize their interactions with customers. Effective customer tracking allows you to:

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Try it now!

Discover how Jagamio can help you track customers better and boost sales on Telegram:
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Ready to optimize your customer tracking on Telegram?
With Jagamio, anything is possible. Get started today!
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Jagamio

Co-founder / CTO

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