Charges & Financial Obligations · Company practice
Paying through a bot sends shipping details to the bot developer, while card details go to the payment provider
Paying for goods and services via bots is one of the ways data reaches bot developers. Telegram does not process the payments: card details are entered into a form supplied by the payment provider and go directly to the provider's server, and neither Telegram nor the merchant bot developers have access to them. Shipping information you enter when placing an order is sent directly to the merchant bot developer.
Supporting quotations
By paying for goods and services via bots (see section 7 below).
Telegram does not process payments from users and instead relies on different payment providers around the world. It is the payment providers that handle and store your credit card details. Neither Telegram nor the merchants on the platform (bot developers) have access to this information.
When making a purchase, you enter your credit card details into a form supplied by the payment provider that will be processing the payment, and this information goes directly to the payment provider's server.
When you enter shipping information in the process of placing an order, we send it directly to the merchant bot developer.
Qualifications & exceptions
Section 7 gives the full payment rules, including saved cards, clearing payment information and disputes.
Charges & Financial Obligations · Company practice
Telegram does not process bot-purchase payments; independent providers handle and store card details
The Payment Platform for Bots relies on payment providers around the world; Telegram does not process payments from users. The payment providers handle and store your credit card details, and neither Telegram nor the merchants (bot developers) have access to this information. Telegram says the providers are completely independent from it and asks you to study their privacy policies before making your data available to them.
Supporting quotations
Telegram does not process payments from users and instead relies on different payment providers around the world. It is the payment providers that handle and store your credit card details. Neither Telegram nor the merchants on the platform (bot developers) have access to this information. Although we work with payment providers they are completely independent from Telegram. Please study their relevant privacy policies before making your data available to them.
Not stated here
The providers' own privacy practices are not described and their policies are not part of this saved text.
This section speaks of payments through the Payment Platform for Bots and does not mention Telegram Stars, which section 3.3.5 refers to for paid channel posts; any separate Stars terms are not in this text.
Charges & Financial Obligations · Company practice
Card details never reach Telegram's servers; Telegram holds only a reusable token from the provider
When you buy through a bot you enter card details in a form supplied by the payment provider, and they go directly to the provider's server. Telegram says your card information never reaches its servers and that it does not access or store it. If you save a card, it is saved on the provider's servers and the provider gives Telegram a token you can reuse for future payments; Telegram says the card information cannot be reconstructed from the token.
Supporting quotations
When making a purchase, you enter your credit card details into a form supplied by the payment provider that will be processing the payment, and this information goes directly to the payment provider's server. Your credit card information never reaches Telegram's servers. We do not access and do not store your credit card information. When you save your credit card info, it is saved on the respective payment provider's servers and the payment provider gives Telegram a token that you can reuse for future payments. It is not possible to reconstruct your credit card info from the token.
Charges & Financial Obligations · User right or choice
"Clear Payment & Shipping Info" deletes stored shipping info and payment tokens and asks providers to remove card data
You can clear all payment information associated with your account at any time in Telegram Settings > Privacy & Security > Data Settings by selecting "Clear Payment & Shipping Info". If you do, Telegram deletes your stored shipping information and payment tokens from all providers and asks the payment providers to remove the credit card information they store.
Supporting quotations
You can clear all payment information associated with your account at any time by going to Telegram Settings > Privacy & Security > Data Settings and selecting ‘Clear Payment & Shipping Info’. If you choose to remove your payment information, we will delete your stored shipping info and payment tokens from all providers and ask the payment providers to remove your credit card information that they store.
Qualifications & exceptions
Telegram commits to delete what it stores and to "ask" providers to remove card information; the text does not promise that providers will do so.
Not stated here
What providers do after Telegram asks them is not stated.
Charges & Financial Obligations · Restriction or exception
Telegram says it cannot handle complaints or cashbacks for bot payments; others are responsible
Because Telegram does not store credit card details or transaction information, it says it is impossible for it to handle complaints or cashbacks. Disputed payments are the responsibility of the bot developers, payment providers and banks that took part in the exchange.
Supporting quotations
Due to the fact that Telegram doesn't store any credit card details or transaction information, it is impossible for us to handle complaints or cashbacks – any disputed payments are the responsibility of the bot developers, payment providers, and banks that participated in the exchange.
Not stated here
Section 3.3.5 describes a transaction history for paid channel posts bought with Telegram Stars; the policy does not say whether that history counts as the "transaction information" this sentence says Telegram does not store, and section 7 does not mention Stars.
Cross-references
contrast (model-proposed): Paid channel posts leave a permanent copy in the parties' transaction history — contrast: Section 7.5 says Telegram stores no transaction information for bot payments, while section 3.3.5 says a permanent copy of a paid-post unlock sits in the parties' transaction history; the policy does not say whether the two sections cover the same payments.