TeleCard help center:
let's sort out your transaction.

Scan the SBP QR code in the app, check the ruble amount and the crypto debit, then confirm. A verified P2P merchant picks up the order and pays the QR in rubles from their own bank account. The final status appears in your history.

No. You pay from your crypto balance in TeleCard, and the merchant pays the shop in rubles from their own bank account. All you need is Telegram and crypto.

There is no separate fee on top. By default the payment rate is 4% below the market rate (3% service fee plus 1% merchant margin), and you get 1% cashback in USDT. The exact total is shown on the confirmation screen before you pay, and the rate is locked for 30 seconds.

USDT on TRON (TRC20), Ethereum (ERC20) and TON, plus BTC, ETH and Gram (formerly Toncoin) on TON. Pick the network before you send: it has to match on both sides of the transfer. See Wallet and networks for details.

TeleCard is a custodial wallet. The service holds the keys to the deposit addresses, and transfers are signed by a separate, isolated signing service. You manage your balance in the app. Your PIN protects access and money actions; it is not a blockchain private key.

Telegram is the main way in: TeleCard runs as a Mini App inside the bot @itelecard_bot. The app also opens in a browser at app.telecard.top, and you sign in there with Telegram too. A standalone mobile app is on the way.

SBP, the Faster Payments System, is Russia's national instant bank-to-bank payment system. Shops, cafés and services show SBP QR codes at checkout. TeleCard reads those codes and settles the ruble payment through a verified merchant.

Check that the asset and network match, wait for the network confirmations, and look at the status in your history: a detected transfer and an available balance are two different states. If nothing is credited, contact support and include the transaction hash.

While an order is still looking for a merchant you can cancel it, and the frozen USDT return to your balance. A completed payment can be disputed within 72 hours by default.

By default a single payment ranges from ₽10 to ₽100,000, with a monthly limit of ₽300,000. The app shows the values that apply to you before you confirm.

Open the transaction in your history and write to support chat in the app or to the bot @itelecard_bot. Include the transaction number and its status. Never share your PIN, login codes or recovery phrases.

Apply from your profile in the app: a questionnaire, a bank account, documents and a statement, collateral and a review. Terms and tiers are on the For merchants page.

We plan to launch TeleCard Travel, a card for trips and purchases outside Russia. Countries, pricing and Apple Pay and Google Pay support will be announced before launch. See the Travel card page.

Boost is a planned subscription for people who need a higher monthly volume of QR payments. Terms will be announced before launch. See the TeleCard Boost page.