Charges & Financial Obligations · Restriction or exception
You assume the risks of transactions with providers
By using the feature you acknowledge and agree to take on all risks related to your transactions with Service Providers, and you agree Telegram is not liable for any risks or adverse consequences that arise from those transactions.
Supporting quotations
You fully acknowledge and explicitly assume any and all risks related to transactions with SP, and agree that we shall not be liable for any risks or adverse consequences arising from such transactions
Charges & Financial Obligations · Company practice
Telegram does not process payments or hold funds; the provider picks the payment processor
Telegram says it does not process payments or hold funds. It only gives Service Providers access to third-party payment providers through its Payment Platform. The payment providers that process payments are chosen by each Service Provider for its Mini App, at the Service Provider's sole discretion.
Supporting quotations
Telegram only provides SP with access to third-party payment providers via its
does not itself process payments or hold funds
Telegram does not process payments. Instead, payments are processed by third-party payment providers, which are chosen by the SP for their MA, at the SP’s sole discretion
Qualifications & exceptions
Another passage says payments are processed by a payment provider "as agreed between you, the SP and the payment provider", so the user's agreement with the processor is also described.
Not stated here
The Payment Platform and the payment providers' terms are not supplied here.
Cross-references
contrast (model-proposed): Payment problems go to the payment provider or Service Provider, not Telegram — contrast: One passage says the Service Provider chooses the payment provider at its sole discretion; another says payments are processed as agreed between the user, the Service Provider and the payment provider. The terms do not say how the two descriptions fit together.
Charges & Financial Obligations · Company practice
Telegram says it does not store your card details for Mini App purchases
Telegram says it does not store your credit card details for purchases made through the feature. Third-party payment providers handle that data alone. The terms point to the Privacy Policy for more details.
Supporting quotations
Telegram does not store your credit card details for purchases made via MAF. Such data is handled solely by third-party payment providers
Qualifications & exceptions
The statement covers credit card details for purchases made through the feature, not every kind of payment-related data.
Not stated here
The Privacy Policy section it points to is not in this saved source, so other payment data Telegram may handle is unknown.
Charges & Financial Obligations · Restriction or exception
Refunds and cancellations follow the provider's terms
Cancellations or refunds for purchases through the feature depend on the terms of the specific Service Provider you bought from. Telegram says it has no role in processing payments or in setting refund or cancellation charges. Any dispute must be raised with the provider, which is responsible for resolving it.
Supporting quotations
Cancellations or refunds for purchases from SP via MAF are subject to the applicable terms of the specific SP from which the purchase was made. Telegram has no role in processing payments and governing refund or cancellation charges
Any disputes must be resolved by contacting the SP directly, who is responsible for resolving the dispute
Not stated here
The terms do not state any refund right or timeline.
Charges & Financial Obligations · Restriction or exception
Payment problems go to the payment provider or Service Provider, not Telegram
Payments made or started through a Mini App are processed by a third-party payment provider, as agreed between you, the Service Provider and the payment provider, which at times may be the same party. Telegram says it does not handle, manage, oversee, verify or warrant these transactions. Disputes, claims, losses, misunderstandings, technical errors or other issues of any kind related to payments must go to the payment provider or the Service Provider. Telegram says it will not be a party to payment disputes and is not liable for losses the parties may incur.
Supporting quotations
Payments conducted or initiated through a MA are processed by a third-party payment provider, as agreed between you, the SP and the payment provider, which at times may coincide
Telegram does not handle, manage, oversee, verify or provide any sort of warranty over such transactions
any disputes, claims, losses, misunderstandings, technical errors, or issues of any kind (both accidental and allegedly intentional) related to payments or transactions must be directed towards the respective payment provideror SP
Telegram bears no responsibility whatsoever and will not be a party to any payment-related disputes or discussions, nor is it liable for any losses or damages the parties involved may incur
Qualifications & exceptions
"payment provideror SP" appears as written in the source.