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Q: Is PAYchat a centralized payment service?
→ No. PAYchat runs in a decentralized way. All payments are processed directly on the blockchain (USDT-TRC20). The bot or any third party never holds your funds. That means transactions are transparent and safe.
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Q: Do I need to sign up or verify my identity?
→ Not at all. You only need your Telegram ID to get started. No extra sign-up, no KYC.
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Q: Why does PAYchat use USDT-TRC20?
→ Because it’s supported by most global exchanges and has very low transfer fees. (ERC20, BEP20, and other networks are not supported.)
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Q: Do group owners manage the funds directly?
→ Yes. There’s no middleman. The group owner holds the wallet and manages funds directly, which makes it more transparent and secure.
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Q: Does the bot ever hold my money?
→ No. The bot only confirms payments. When you send USDT, it goes straight to the group owner’s wallet — the bot never keeps your funds.
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Q: What fees are involved?
→ Only the blockchain network fee (Tron fee) and transfer fee apply. PAYchat itself charges no membership fees.
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Q: What if I don’t get group access right after payment?
→ Normally you’ll get in instantly. If the network is busy, it may take a few seconds. If it takes longer than a minute, the bot will auto-check and fix it.
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Q: What happens when my subscription ends?
→ The bot will automatically remove you from the group. To rejoin, just make another USDT payment.
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Q: Can I get a refund?
→ Blockchain transactions can’t be reversed. Refunds depend on the group owner’s refund policy.
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Q: Which wallets can I use to send USDT?
→ You can use most global exchanges (Binance, Upbit, OKX, etc.) or personal wallets (Trust Wallet, TronLink, etc.). Just make sure to select TRON network (USDT-TRC20) when sending.
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Q: Does PAYchat store my private keys or passwords?
→ Never. Neither group owners nor users’ private keys or wallet passwords are stored. All wallets are secured with encryption.
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Q: How do I rejoin after my subscription expires?
→ The bot will move you back to the waiting room and show you a payment prompt. Once you pay again, you’ll be instantly re-added.
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Q: Can I manage multiple groups with PAYchat?
→ Yes. Group owners can add PAYchat to multiple groups, and each group’s payments and members are managed automatically.
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Q: What devices are supported?
→ PAYchat works on mobile (Android/iOS) and desktop (PC/Mac). We recommend always using the latest Telegram app.