Telegram’s integrated payment system allows users to send money to friends or merchants directly within chats. The service supports Russian rubles and can be linked to a bank card or a Qiwi wallet. For foreign users, the platform accepts foreign cards for top‑ups, converting the amount to RUB at the prevailing rate. Security relies on Telegram’s two‑step verification and end‑to‑end encryption. The feature is popular for splitting restaurant bills and paying freelance workers.