This guide explains how to set up a Virtual Point of Sale (Virtual POS) to accept card payments directly in your Telegram bot created with Jagamio. This setup is required for certain payment processors (e.g., Redsys) if you run a physical store and want to process customer payments via Telegram. It relies on the connection between your bank and a third-party payment provider partnered with Telegram.
Prerequisites: Have a business bank account, have a Jagamio e-commerce bot, and want to accept in-person (card) payments via Telegram.
Step 1: Understand the two payment methods on Telegram
Objective: Identify which payment system matches your business.
- Digital products: Telegram natively handles these payments via Telegram Stars (Telegram’s internal currency).
- Physical products: You must integrate a third-party payment provider (e.g., Redsys, Smart Glocal, Ecommpay, etc.) to accept card payments.
- Choose your provider based on your customers’ currency and geographic region.
⚠️ Note: Telegram Stars do not work for physical products. Attempting to use them for this purpose violates Telegram’s terms of service.
Step 2: Distinguish between physical POS and virtual POS
Objective: Understand why you need a virtual POS, not a physical one.
- A physical POS is the payment terminal you use in-store (e.g., a card reader in a restaurant).
- A virtual POS is a dematerialized solution, sufficient for payments via Telegram.
- For Jagamio and Telegram, only a virtual POS is required.
⚠️ Note: Do not purchase a physical terminal—it would be unnecessary for this setup.
Step 3: Contact your bank to create your virtual POS
Objective: Request your bank to open a virtual POS connected to the payment provider.
- Contact your bank advisor (in-branch, by phone, or online).
- Specify that you want to:
- Create a virtual POS
- Connect it to the payment provider Redsys (or your chosen provider)
- Receive payments directly in your bank account
Answer any regulatory questions your bank is required to ask (mandatory legal checks).
⚠️ Note: Your bank should be familiar with this type of request. Explicitly mention the provider’s name (Redsys) to streamline the process. However, not all banks handle virtual POS setups.
Step 4: Retrieve your merchant credentials
Objective: Obtain the necessary details to access the provider’s dashboard.
- Once your request is processed, your bank will provide:
- A merchant number (Merchant Number)
- A terminal number (Terminal Number)
- Use these credentials to log in to your payment provider’s admin dashboard (e.g., Redsys).
Step 5: Connect your bank to the payment provider
Objective: Finalize the link between your bank account and the provider to receive payments.
- Log in to the provider’s admin interface with your credentials.
- Follow the steps to link your bank account to the provider.
- Verify the connection is active and payments are correctly routed to your account.
Conclusion
Once these steps are completed, your virtual POS will be operational. Your customers can pay by card directly through your Jagamio Telegram bot, and funds will be transferred to your bank account via the third-party provider.
This virtual POS setup is only part of the full configuration for a physical store connected to Telegram.
📌 Additional resources:
- Check out other Jagamio videos for the complete setup of a physical store, bot configuration, and end-to-end payment integration.
- Consult your bank about available providers in your region if Redsys isn’t suitable for your needs.
Redsys documentation: https://telegra.ph/Quick-guide-Telegram-payments-through-Redsys-02-16
