CryptoBot, Wallet Pay, TON Pay, OxaPay, and Speed Wallet each offer different trade-offs for in-app crypto checkout without leaving Telegram.
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Telegram has become a hub for crypto activity beyond exchanges. Its Mini Apps let users shop, play, and trade without leaving the chat window. Payment gateways that keep the invoice, wallet, and confirmation steps inside the app are key. A dedicated gateway prevents a checkout flow that would otherwise break when a user has to open a browser or another app.
Here is a look at five payment gateways built for Telegram Mini Apps. Each handles crypto onboarding differently.
CryptoBot
CryptoBot runs a custodial payment system through its Crypto Pay API. Merchants create invoices in BTC, TON, ETH, USDT, USDC, and other assets. Processing fees start at about 0.25 percent for custodial flows, according to the service documentation.
The setup works like this: you create an app inside @CryptoBot, get an API token, and call createInvoice to generate payment links or hosted checkout pages. Webhooks update your backend when payments confirm. You can settle in crypto or auto-convert to stablecoins.
This fits developers who want full control over invoicing and who want to reach the wallet that many Telegram crypto users already hold.
Wallet Pay
Wallet Pay is Telegram's native payment service, built on @Wallet bot. It supports BTC, TON, and USDT. The checkout is designed for one-tap in-app payments.
Merchants register on Wallet Pay, pass KYC, and receive API keys. When a user taps the pay button and confirms the transaction, funds go to the merchant's Wallet Pay balance. The compliance burden sits with the business, not the platform.
Sellers targeting mainstream Telegram users who already use @Wallet will find this familiar.
TON Pay
TON Pay is the standardized payments layer for Mini Apps across the TON ecosystem. Its SDK handles one-time payments, subscriptions, recurring billing, and backend service integration.
A built-in fiat on-ramp lets users buy crypto with a bank card when their wallet balance is low. Funds go directly to the connected wallet.
This option suits teams building product suites, games, or subscription platforms that plan to grow across several Mini Apps.
OxaPay
OxaPay runs a Telegram invoice bot and a channel gateway. The invoice bot generates payment links from a merchant API key. The channel gateway automatically adds or removes subscribers from private channels based on payment status.
Processing fees are zero. Network fees are passed to the buyer or folded into the listed price. Payments made through the OxaPay Telegram Wallet skip network fees entirely.
To set up, you need an email address. No identity verification is required for basic use. That has boosted its adoption among freelancers and small community channels.
Speed Wallet
Speed Wallet runs on a bot that connects directly to a user's account. Sending and receiving crypto happens inside Telegram. A user starts the bot, signs in or creates an account, and the wallet balance updates within the chat.
The service is operated by Speed1 INC, which provides money services through an exclusive licensing arrangement with a licensed Money Services Business. That compliance framework is stronger than many smaller crypto payment bots.
Merchants and businesses that want a ready-to-use Telegram payment solution instead of building their own integration will find this practical. Peer-to-peer payments and fast transfers between users are a natural fit.
Each gateway serves a different slice of the market. CryptoBot gives developers API control. Wallet Pay offers a native one-tap experience. TON Pay provides a full SDK for multi-app ecosystems. OxaPay attracts zero-fee merchants and small channels. Speed Wallet brings a licensed compliance wrapper to the bot model. The right pick depends on the user base, the payment flow, and the compliance requirements.
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