Earn up to 10% on every payment
Become a TeleCard merchant: pay customers' SBP QR codes from your own bank account and get USDT for it. Go online whenever it suits you, right in Telegram.
In the app: Profile → For merchants → Become a merchant.
- 01Pay QR codes from your own account, get USDT
- 02Collateral from 50 USDT, returned when you leave
- 03Application decision usually within 24 hours
- 04Merchant dashboard right in Telegram
The customer pays in crypto.
You pay in rubles.
A TeleCard user pays a shop's SBP QR code, and you cover the ruble side from your own bank account. In return, you get USDT plus your earnings.
- 01
An order in your feed
The customer scans an SBP QR code in TeleCard and confirms the payment in crypto. The order shows up in the feed of merchants who are online, and the bot sends you a notification.
- 02
You pay the QR
Take the order and pay the QR code in your banking app. You have 3 minutes to pay. Attach the receipt and tap “I've paid”.
- 03
You get USDT
The USDT for the order, including your earnings, lands on your balance automatically 3 to 12 hours later, depending on your tier.
The customer's amount is reserved on their balance before the order even reaches you, so you never wait for a transfer from the customer.
Up to 10%
on every order
Where the earnings come from: the USDT for an order is credited at a rate that already includes your earnings, and the rate difference stays with you. Your monthly total grows with the number and size of the orders you take, and a higher tier opens up larger orders.
You spend rubles from your own account and receive USDT, which you can withdraw to your own wallet or exchange account and sell there. The app shows the exact terms before you apply.
- The customer payscrypto from their TeleCard balance
- You paythe QR code in rubles from your account
- You getUSDT plus up to 10% in earnings
Your collateral sets
the order size
The largest single order equals your collateral. Start with a small tier and move up when you're ready for larger orders. Default values; the app shows the exact ones.
| Tier | Collateral | Largest order | Earnings hold |
|---|---|---|---|
| Start | 50 USDT | 50 USDT | 3 h |
| Basic | 250 USDT | 250 USDT | 6 h |
| Standard | 500 USDT | 500 USDT | 12 h |
| Pro | 1,000 USDT | 1,000 USDT | 12 h |
| Max | 2,000 USDT | 2,000 USDT | 12 h |
Moving up a tier, you add the difference. Moving down, the difference returns to your balance once you have no orders in progress, no open disputes and no held earnings, and the dispute window (24 hours) on your last paid order has closed.
Four things
to get started
We verify every merchant, so customers can pay with confidence and you work under clear rules.
Identity check
You are 18 or older. A Russian passport, an international passport or an ID card, plus a selfie holding the document.
Your own bank account
A card or account in your name at a bank connected to SBP, Russia's Faster Payments System. The recipient in your details is always you, as named in your application.
A bank statement
A PDF from your banking app covering the last 3 months, issued within the last 30 days, showing your full name and this account.
Collateral in USDT
From 50 USDT in USDT, depending on the tier you choose. You get it back when you leave the program.
Five steps
to your first order
You fill in the application in the app, and it is saved step by step, so you can stop and come back later.
- 1
Personal details
Your full name, phone number and passport details. A number from Telegram is confirmed instantly.
- 2
Bank account
Your bank and the card or account you will use to pay orders.
- 3
Documents
A photo of your passport, a selfie with it and a bank statement.
- 4
Collateral
Choose a tier and lock the collateral, from 50 USDT. That sends your application for review.
- 5
Review
We review everything together, usually within 24 hours. The decision arrives in Telegram.
If something needs fixing, you only redo the marked steps; there is no need to lock the collateral again. If the application is rejected, the collateral goes straight back to your balance.
Collateral protects customers,
and comes back to you
Collateral covers disputes. No disputes, and it stays yours and comes back when you leave the program.
- Dispute window
- A customer can open a dispute within 24 hours of the payment. TeleCard support makes the decision.
- If a dispute is decided for the customer
- The amount is returned to the customer from your held earnings, then from your collateral and, if that falls short too, from your balance.
- Collateral below your tier
- New orders pause. Top the collateral back up to your tier, and orders start coming again.
- Leaving the program
- At any time when you have no orders in progress. You can withdraw the collateral 72 hours after leaving if there are no open disputes and no held earnings.
- You lock the collateralyour application goes for review
- You workit stays in place while you are a merchant
- You leave the programno new orders arrive
- After 72 hoursyou can withdraw it to your balance if there are no disputes or holds
Clear rules
for both sides
The rules are the same for every merchant, and the app shows them before you apply.
Your own accounts
Pay from your own verified accounts and cards, never from someone else's details or through an “assistant”.
A receipt for every payment
“I've paid” comes with your bank receipt, as a PDF from your banking app or a screenshot. A PDF is checked automatically for the payer, account, amount and time; a staff member reviews screenshots.
3 minutes to pay
Once you take an order, pay it in time. Miss two in a row, and the app switches you offline to keep orders moving.
One account
One merchant, one TeleCard account, and the access stays with you alone.
Documents kept safe
Your documents are stored encrypted and are available only to the review team.
Support close by
Questions about orders and disputes go to the support chat, right from the merchant dashboard.
Merchant questions
Earnings, rubles, collateral and the review, in short.
How much can I earn?
Up to 10% on every paid order. Your monthly total grows with the number and size of the orders you take. The app shows the exact terms before you apply.
How do I get back the rubles I spend?
You pay rubles from your own account and receive USDT to your TeleCard balance for each order. You can withdraw it to your own crypto wallet or exchange account on the network you need and sell it there.
Why is collateral needed, and when do I get it back?
Collateral covers customer disputes. With no disputes, it stays yours. You can leave the program at any time when you have no orders in progress; 72 hours after leaving you can withdraw the collateral to your balance if there are no open disputes and no held earnings.
What happens if my application is rejected?
The collateral goes straight back to your balance. If something just needs fixing, you correct the marked steps, with no need to lock the collateral again.
How long does the review take?
Usually up to 24 hours. The decision arrives in Telegram and shows up in the app.
When do my earnings reach my balance?
After you pay an order, the earnings are held according to your tier, from 3 to 12 hours, and then move to your balance automatically. Orders that get an extra check are released once it's done.
What if I don't pay an order in time?
The order goes back to the feed for another merchant to take. After two missed orders in a row, the app switches you offline; go online again whenever you're ready.
How are my documents protected?
Your documents are stored encrypted and are available only to the review team.
Start earning on payments
Open TeleCard, go to Profile → For merchants and fill in the application. Collateral from 50 USDT comes back when you leave.
The terms in brief
- Earnings
- up to 10% per order
- Collateral
- from 50 USDT, refundable
- Review
- usually within 24 hours
- Where to work
- In Telegram