Connecting Crypto Pay API to Telegram Bot: A Complete Guide for Beginners

Crypto Pay is the official payment system from @CryptoBot (send.tg), which allows any Telegram bot or web service to accept payment in cryptocurrency without intermediaries and with minimal fees. You create an invoice through the API, send a link to the user, they pay directly in the Crypto Bot application – and you instantly get money on the balance of your application.

Supported assets (mainnet 2026): USDT, TON, BTC, ETH, LTC, BNB, TRX, USDC (and test JET on testnet).

You can accept one-time payments, time access payment (subscriptions through your bot’s logic), send checks and even transfer coins back to users.

## 1. Obtaining an API token (test and combat)

Test environment (recommended to start with):

1. Open the bot @CryptoTestnetBot.
2. Write /pay or click Crypto Pay.
3. Click Create App → Enter the name (e.g., “MyTestBot”) → get a 12345:ABCdef... token.
4. Save the token – it will only work on https://testnet-pay.crypt.bot/api/.

** Combat environment:**

1. Open @CryptoBot.
2. Go to Crypto Pay > Create App.
3. Get a token (it is different from the test one).
4. Basic URL: https://pay.crypt.bot/api/.

Important: The token is transmitted only under the heading Crypto-Pay-API-Token. Never publish it in public repository code!

## 2. How to Test Without Risk

• In testnet, all payments are simulated. You can “pay” the bill in the test bot.
• The balance is replenished with JET test coins (and others) through the CryptoTestnetBot menu.
• All methods and response formats are completely identical to production.
• After the tests, simply change the URL and token – the code remains the same.

## 3. Main method: creation of a single account (createInvoice)

POST https://pay.crypt.bot/api/createInvoice (or testnet)

Minimum parameters (JSON):

{
"asset": "USDT,"
"amount": "9.99,"
"Description": "Premium access for 30 days"
"payload": "user 123 order 456", // your internal ID
"expires in": 3600 // 1 hour for payment
}

Full list of parameters (all real as of February 2026):

• currency_type: "crypto" (default) or "fiat" (then amount in USD/EUR/RUB, etc.)
• accepted_assets: "USDT,TON,BTC" (if fiat)
• hidden_message: text that the user will see after payment
• paid_btn_name + paid_btn_url: button after payment (“Open bot”, “Return”, etc.)
• allow_comments, allow_anonymous
• swap_to: autoexchange in USDT/TON after payment (new product 2025)

The answer is:

• invoice_idXX
• bot_invoice_url – the main link for payment
• mini_app_invoice_url, web_app_invoice_url (for Mini Apps)

Example of sending a link to a user in a bot (aiogram 3.x):

await message.answer(
    "Оплатите доступ:",
    reply_markup=InlineKeyboardMarkup(inline_keyboard=[[
        InlineKeyboardButton(text="Оплатить 9.99 USDT", url=invoice.bot_invoice_url)
    ]])
)

## 4. How to accept subscriptions (recurrent payments)

Crypto Pay ** does not have built-in recurring profiles** (like Stripe), but this is easily implemented on the bot side:

** Option 1 (most popular):**

1. The user chooses a subscription (1 month / 3 months / year).
2. The bot creates invoice for the corresponding amount.
3. When paying (webhook) write to the database: user_id, expires_at = now + 30 дней.
4. 3 days before the end, send a reminder + a new invoice.
5. Repeat automatically.

Variant 2: CreateCheck – the user activates the check himself, convenient for “subscription renewal with one click”.

** Option 3:** For closed channels, use the built-in Crypto Bot subscriptions (a separate section in help.send.tg), but for bots, only custom logic.

## 5. Receiving payment notifications (Webhooks is a must!)

In your App settings (at @CryptoBot → My Apps → your app → Webhooks), specify the URL of the https://yourdomain.com/crypto-webhook view.

When paying, Crypto Bot makes POST to your URL with the heading Crypto-Pay-Api-Signature (HMAC-SHA256 from the body + your token as a key).

Example of signature verification (Python):

import hmac, hashlib, json

def verify_webhook(data: bytes, signature: str, token: str) -> bool:
    expected = hmac.new(token.encode(), data, hashlib.sha256).hexdigest()
    return hmac.compare_digest(expected, signature)

The body will always have update_type: "invoice_paid" + full Invoice object (with paid_asset, paid_amount, payload, etc.).

## 6. Useful complementary techniques

• getMe – check the token
• getBalance - current balance of the application for all assets
• getInvoices - list of all accounts (with status=active/paid/expired filters)
• deleteInvoice - delete unpaid invoice
• getCurrencies – current list of currencies and minimum amounts
• getExchangeRates Courses
• transfer – send coins to the user (must be included in Security)
• createCheck / getChecks - one-time gift checks
• getStats - application statistics (new 2024)

## 7. Commissions and withdrawals (real data 2026)

The commission depends on the turnover in the last 30 days:

• 0–10,000 USD – 3%
• 10,000-50,000 - 2%
• 50,000–100,000 – 1%

• 100,000 to 0.5% or lower (individually)

Output to any TON/USDT/BTC wallet, etc. – instantly, without additional Crypto Pay fees (network only).

## 8. Prompts for AI (ChatGPT / Claude / Grok) to connect everything yourself

If you already have a token and a wallet, just copy the prompt:

Prompt 1 (full integration on aiogram 3.x + FastAPI webhook):

Write the full working code of the Telegram bot in Python 3.11 + aiogram 3.x + FastAPI for webhook.
Use the Crypto Pay API (token: [MAKE THEY]).
Functional:
- /pay command creates invoice for 5 USDT with payload = user id
- Sends a button from bot invoice url
Webhook /crypto webhook checks signature, adds 30 days of subscription to SQLite
The /status command shows the end date of the subscription
- All with error processing, logging, comments.
Use the testnet first.

Prompt 2 (backend + Flask only):**

Create a Flask application that:
1. When GET /create?user=123&amount=9.99 creates invoice through the Crypto Pay API and returns JSON from the url.
2. Has endpoint /webhook, checks HMAC, saves payment to PostgreSQL.
The token and the URL are constants. Add Docker-compose.

Prompt 3 (Node.js + Telegraf):

Write Crypto Pay integration into Telegraf bot (Node.js). Creating an invoice, sending a button, processing webhook with signature verification.

## 9. Safety and best practices

• Enable IP-allowlist in the App (Security) settings.
• Never store a token in client code.
• For production, use HTTPS + webhook signature verification.
• Store payload with user id + order id.
• Do backup checks through getInvoices every 5-10 minutes.

## Conclusion

Crypto Pay is the easiest and most reliable way to accept crypto in a Telegram bot in 2026. Everything works within the Telegram ecosystem, without redirects to third-party sites, with instant notifications and zero commissions at high turnover.

Official documentation (always relevant):

• https://help.send.tg/ru/articles/10279948-crypto-pay-apiXX
• https://help.crypt.bot/crypto-pay-api (mirror)